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$14,378
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,825
−HK$455/mo
Today · 4.125%
HK$15,280
baseline
▲ 0.50% · 4.625%
HK$16,209
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,560/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,995
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,424
−HK$436/mo
Today · 4.125%
HK$16,860
baseline
▲ 0.50% · 4.625%
HK$17,748
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,720/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,254
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,790
−HK$546/mo
Today · 4.125%
HK$18,336
baseline
▲ 0.50% · 4.625%
HK$19,451
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,672/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,194
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,709
−HK$522/mo
Today · 4.125%
HK$20,231
baseline
▲ 0.50% · 4.625%
HK$21,298
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,462/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,129
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,755
−HK$636/mo
Today · 4.125%
HK$21,391
baseline
▲ 0.50% · 4.625%
HK$22,693
+HK$1,302/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,782/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,393
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,994
−HK$609/mo
Today · 4.125%
HK$23,603
baseline
▲ 0.50% · 4.625%
HK$24,847
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,206/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,880
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,685
−HK$818/mo
Today · 4.125%
HK$27,503
baseline
▲ 0.50% · 4.625%
HK$29,177
+HK$1,674/mo
Deposit HK$631K · loan HK$5.67M · min. income ≈ HK$55,006/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,792
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,564
−HK$783/mo
Today · 4.125%
HK$30,347
baseline
▲ 0.50% · 4.625%
HK$31,947
+HK$1,600/mo
Deposit HK$631K · loan HK$5.67M · min. income ≈ HK$60,694/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,542 · 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).