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$15,766
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,256
−HK$499/mo
Today · 4.125%
HK$16,755
baseline
▲ 0.50% · 4.625%
HK$17,774
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,510/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,539
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,010
−HK$477/mo
Today · 4.125%
HK$18,487
baseline
▲ 0.50% · 4.625%
HK$19,461
+HK$974/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,974/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,919
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,508
−HK$597/mo
Today · 4.125%
HK$20,105
baseline
▲ 0.50% · 4.625%
HK$21,329
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,210/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,047
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,612
−HK$572/mo
Today · 4.125%
HK$22,184
baseline
▲ 0.50% · 4.625%
HK$23,354
+HK$1,170/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,368/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,072
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,759
−HK$697/mo
Today · 4.125%
HK$23,456
baseline
▲ 0.50% · 4.625%
HK$24,884
+HK$1,428/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,912/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,555
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,214
−HK$668/mo
Today · 4.125%
HK$25,882
baseline
▲ 0.50% · 4.625%
HK$27,246
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,764/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,379
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,261
−HK$897/mo
Today · 4.125%
HK$30,158
baseline
▲ 0.50% · 4.625%
HK$31,993
+HK$1,835/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,316/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,571
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,418
−HK$859/mo
Today · 4.125%
HK$33,277
baseline
▲ 0.50% · 4.625%
HK$35,031
+HK$1,754/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,554/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$207,423 · 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).