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$15,007
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,473
−HK$475/mo
Today · 4.125%
HK$15,948
baseline
▲ 0.50% · 4.625%
HK$16,918
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,896/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,695
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,143
−HK$454/mo
Today · 4.125%
HK$17,597
baseline
▲ 0.50% · 4.625%
HK$18,524
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,194/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,008
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,568
−HK$569/mo
Today · 4.125%
HK$19,137
baseline
▲ 0.50% · 4.625%
HK$20,302
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,274/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,034
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,571
−HK$545/mo
Today · 4.125%
HK$21,116
baseline
▲ 0.50% · 4.625%
HK$22,229
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,232/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,009
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,663
−HK$664/mo
Today · 4.125%
HK$22,327
baseline
▲ 0.50% · 4.625%
HK$23,685
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,654/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,373
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$24,000
−HK$635/mo
Today · 4.125%
HK$24,635
baseline
▲ 0.50% · 4.625%
HK$25,934
+HK$1,299/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,270/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,012
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,852
−HK$854/mo
Today · 4.125%
HK$28,706
baseline
▲ 0.50% · 4.625%
HK$30,453
+HK$1,747/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,412/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,051
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,857
−HK$817/mo
Today · 4.125%
HK$31,674
baseline
▲ 0.50% · 4.625%
HK$33,344
+HK$1,670/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,348/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,115 · 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).