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$13,707
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,133
−HK$434/mo
Today · 4.125%
HK$14,567
baseline
▲ 0.50% · 4.625%
HK$15,453
+HK$886/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,134/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,249
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,658
−HK$415/mo
Today · 4.125%
HK$16,073
baseline
▲ 0.50% · 4.625%
HK$16,920
+HK$847/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,146/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,448
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,960
−HK$520/mo
Today · 4.125%
HK$17,480
baseline
▲ 0.50% · 4.625%
HK$18,544
+HK$1,064/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$34,960/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,299
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,790
−HK$497/mo
Today · 4.125%
HK$19,287
baseline
▲ 0.50% · 4.625%
HK$20,304
+HK$1,017/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$38,574/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,190
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,787
−HK$606/mo
Today · 4.125%
HK$20,393
baseline
▲ 0.50% · 4.625%
HK$21,634
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,786/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,349
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,921
−HK$581/mo
Today · 4.125%
HK$22,502
baseline
▲ 0.50% · 4.625%
HK$23,688
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,004/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,673
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,440
−HK$780/mo
Today · 4.125%
HK$26,220
baseline
▲ 0.50% · 4.625%
HK$27,815
+HK$1,595/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,440/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,448
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,184
−HK$747/mo
Today · 4.125%
HK$28,931
baseline
▲ 0.50% · 4.625%
HK$30,456
+HK$1,525/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,862/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$136,120 · 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).