The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,319
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,795
−HK$484/mo
Today · 4.125%
HK$16,279
baseline
▲ 0.50% · 4.625%
HK$17,270
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,558/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,042
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,499
−HK$464/mo
Today · 4.125%
HK$17,963
baseline
▲ 0.50% · 4.625%
HK$18,910
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,926/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,383
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,954
−HK$581/mo
Today · 4.125%
HK$19,535
baseline
▲ 0.50% · 4.625%
HK$20,724
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,070/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,450
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,999
−HK$556/mo
Today · 4.125%
HK$21,555
baseline
▲ 0.50% · 4.625%
HK$22,692
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,110/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,446
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,114
−HK$677/mo
Today · 4.125%
HK$22,791
baseline
▲ 0.50% · 4.625%
HK$24,178
+HK$1,387/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,582/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,859
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,499
−HK$649/mo
Today · 4.125%
HK$25,148
baseline
▲ 0.50% · 4.625%
HK$26,474
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,296/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,574
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,432
−HK$871/mo
Today · 4.125%
HK$29,303
baseline
▲ 0.50% · 4.625%
HK$31,086
+HK$1,783/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,606/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,676
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,498
−HK$835/mo
Today · 4.125%
HK$32,333
baseline
▲ 0.50% · 4.625%
HK$34,037
+HK$1,704/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,666/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,542 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).