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$14,039
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,476
−HK$443/mo
Today · 4.125%
HK$14,919
baseline
▲ 0.50% · 4.625%
HK$15,827
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,838/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,618
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,037
−HK$425/mo
Today · 4.125%
HK$16,462
baseline
▲ 0.50% · 4.625%
HK$17,330
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,924/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,847
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,371
−HK$532/mo
Today · 4.125%
HK$17,903
baseline
▲ 0.50% · 4.625%
HK$18,992
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,806/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,742
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,244
−HK$510/mo
Today · 4.125%
HK$19,754
baseline
▲ 0.50% · 4.625%
HK$20,796
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,508/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,654
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,266
−HK$621/mo
Today · 4.125%
HK$20,887
baseline
▲ 0.50% · 4.625%
HK$22,158
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,774/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,865
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,452
−HK$595/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,262
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,094/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,270
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,056
−HK$799/mo
Today · 4.125%
HK$26,855
baseline
▲ 0.50% · 4.625%
HK$28,489
+HK$1,634/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,710/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,113
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,867
−HK$764/mo
Today · 4.125%
HK$29,631
baseline
▲ 0.50% · 4.625%
HK$31,193
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,262/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,672 · 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).