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$14,051
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,489
−HK$444/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,841
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,866/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,632
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,051
−HK$426/mo
Today · 4.125%
HK$16,477
baseline
▲ 0.50% · 4.625%
HK$17,345
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,954/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,862
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,386
−HK$533/mo
Today · 4.125%
HK$17,919
baseline
▲ 0.50% · 4.625%
HK$19,009
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,838/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,758
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,262
−HK$510/mo
Today · 4.125%
HK$19,772
baseline
▲ 0.50% · 4.625%
HK$20,814
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,544/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,672
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,284
−HK$622/mo
Today · 4.125%
HK$20,906
baseline
▲ 0.50% · 4.625%
HK$22,178
+HK$1,272/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,812/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,885
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,472
−HK$595/mo
Today · 4.125%
HK$23,067
baseline
▲ 0.50% · 4.625%
HK$24,283
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,134/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,293
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,079
−HK$800/mo
Today · 4.125%
HK$26,879
baseline
▲ 0.50% · 4.625%
HK$28,514
+HK$1,635/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$53,758/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,138
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,892
−HK$766/mo
Today · 4.125%
HK$29,658
baseline
▲ 0.50% · 4.625%
HK$31,221
+HK$1,563/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$59,316/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,222 · 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).