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$15,384
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,863
−HK$486/mo
Today · 4.125%
HK$16,349
baseline
▲ 0.50% · 4.625%
HK$17,344
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,698/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,115
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,574
−HK$466/mo
Today · 4.125%
HK$18,040
baseline
▲ 0.50% · 4.625%
HK$18,990
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,080/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,461
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,035
−HK$584/mo
Today · 4.125%
HK$19,619
baseline
▲ 0.50% · 4.625%
HK$20,813
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,238/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,538
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,089
−HK$559/mo
Today · 4.125%
HK$21,648
baseline
▲ 0.50% · 4.625%
HK$22,789
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,296/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,538
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,208
−HK$681/mo
Today · 4.125%
HK$22,889
baseline
▲ 0.50% · 4.625%
HK$24,281
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,778/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,961
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,604
−HK$651/mo
Today · 4.125%
HK$25,255
baseline
▲ 0.50% · 4.625%
HK$26,587
+HK$1,332/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,510/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,692
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,553
−HK$875/mo
Today · 4.125%
HK$29,428
baseline
▲ 0.50% · 4.625%
HK$31,219
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,856/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,807
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,633
−HK$838/mo
Today · 4.125%
HK$32,471
baseline
▲ 0.50% · 4.625%
HK$34,183
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,942/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,403 · 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).