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$15,120
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,591
−HK$478/mo
Today · 4.125%
HK$16,069
baseline
▲ 0.50% · 4.625%
HK$17,046
+HK$977/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,138/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,821
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,273
−HK$457/mo
Today · 4.125%
HK$17,730
baseline
▲ 0.50% · 4.625%
HK$18,665
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,460/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,145
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,709
−HK$573/mo
Today · 4.125%
HK$19,282
baseline
▲ 0.50% · 4.625%
HK$20,456
+HK$1,174/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,564/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,186
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,727
−HK$549/mo
Today · 4.125%
HK$21,276
baseline
▲ 0.50% · 4.625%
HK$22,398
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,552/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,169
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,827
−HK$669/mo
Today · 4.125%
HK$22,496
baseline
▲ 0.50% · 4.625%
HK$23,865
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,992/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,550
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,182
−HK$640/mo
Today · 4.125%
HK$24,822
baseline
▲ 0.50% · 4.625%
HK$26,131
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,644/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,217
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,063
−HK$861/mo
Today · 4.125%
HK$28,924
baseline
▲ 0.50% · 4.625%
HK$30,684
+HK$1,760/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,848/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,279
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,091
−HK$823/mo
Today · 4.125%
HK$31,914
baseline
▲ 0.50% · 4.625%
HK$33,597
+HK$1,683/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,828/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,106 · 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).