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$15,866
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,359
−HK$502/mo
Today · 4.125%
HK$16,861
baseline
▲ 0.50% · 4.625%
HK$17,887
+HK$1,026/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,722/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,650
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,124
−HK$480/mo
Today · 4.125%
HK$18,604
baseline
▲ 0.50% · 4.625%
HK$19,585
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,208/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,039
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,631
−HK$602/mo
Today · 4.125%
HK$20,233
baseline
▲ 0.50% · 4.625%
HK$21,464
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,466/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,181
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,749
−HK$576/mo
Today · 4.125%
HK$22,325
baseline
▲ 0.50% · 4.625%
HK$23,502
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,650/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,212
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,903
−HK$702/mo
Today · 4.125%
HK$23,605
baseline
▲ 0.50% · 4.625%
HK$25,041
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,210/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,711
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,373
−HK$673/mo
Today · 4.125%
HK$26,046
baseline
▲ 0.50% · 4.625%
HK$27,419
+HK$1,373/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,092/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,558
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,447
−HK$902/mo
Today · 4.125%
HK$30,349
baseline
▲ 0.50% · 4.625%
HK$32,196
+HK$1,847/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,698/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,771
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,623
−HK$864/mo
Today · 4.125%
HK$33,487
baseline
▲ 0.50% · 4.625%
HK$35,253
+HK$1,766/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,974/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,737 · 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).