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$13,823
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,253
−HK$437/mo
Today · 4.125%
HK$14,690
baseline
▲ 0.50% · 4.625%
HK$15,584
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,380/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,378
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,791
−HK$418/mo
Today · 4.125%
HK$16,209
baseline
▲ 0.50% · 4.625%
HK$17,063
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,418/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,588
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,104
−HK$524/mo
Today · 4.125%
HK$17,628
baseline
▲ 0.50% · 4.625%
HK$18,701
+HK$1,073/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,256/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,454
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,949
−HK$502/mo
Today · 4.125%
HK$19,451
baseline
▲ 0.50% · 4.625%
HK$20,476
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,902/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,353
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,955
−HK$611/mo
Today · 4.125%
HK$20,566
baseline
▲ 0.50% · 4.625%
HK$21,818
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,132/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,530
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,107
−HK$586/mo
Today · 4.125%
HK$22,693
baseline
▲ 0.50% · 4.625%
HK$23,889
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,386/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,882
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,656
−HK$786/mo
Today · 4.125%
HK$26,442
baseline
▲ 0.50% · 4.625%
HK$28,051
+HK$1,609/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$52,884/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,681
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,423
−HK$753/mo
Today · 4.125%
HK$29,176
baseline
▲ 0.50% · 4.625%
HK$30,714
+HK$1,538/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$58,352/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,215 · 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).