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$13,984
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,419
−HK$442/mo
Today · 4.125%
HK$14,861
baseline
▲ 0.50% · 4.625%
HK$15,765
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,722/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,557
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,974
−HK$424/mo
Today · 4.125%
HK$16,398
baseline
▲ 0.50% · 4.625%
HK$17,262
+HK$864/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,796/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,781
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,303
−HK$530/mo
Today · 4.125%
HK$17,833
baseline
▲ 0.50% · 4.625%
HK$18,918
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,666/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,669
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,169
−HK$508/mo
Today · 4.125%
HK$19,677
baseline
▲ 0.50% · 4.625%
HK$20,714
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,354/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,578
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,187
−HK$618/mo
Today · 4.125%
HK$20,805
baseline
▲ 0.50% · 4.625%
HK$22,071
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,610/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,780
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,364
−HK$593/mo
Today · 4.125%
HK$22,957
baseline
▲ 0.50% · 4.625%
HK$24,167
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,914/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,171
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,954
−HK$796/mo
Today · 4.125%
HK$26,750
baseline
▲ 0.50% · 4.625%
HK$28,377
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,500/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,003
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,754
−HK$762/mo
Today · 4.125%
HK$29,516
baseline
▲ 0.50% · 4.625%
HK$31,071
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,032/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,266 · 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).