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$14,323
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,769
−HK$453/mo
Today · 4.125%
HK$15,222
baseline
▲ 0.50% · 4.625%
HK$16,148
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,444/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,935
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,362
−HK$434/mo
Today · 4.125%
HK$16,796
baseline
▲ 0.50% · 4.625%
HK$17,681
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,592/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,188
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,723
−HK$543/mo
Today · 4.125%
HK$18,266
baseline
▲ 0.50% · 4.625%
HK$19,377
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,532/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,122
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,634
−HK$521/mo
Today · 4.125%
HK$20,155
baseline
▲ 0.50% · 4.625%
HK$21,217
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,310/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,053
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,677
−HK$633/mo
Today · 4.125%
HK$21,310
baseline
▲ 0.50% · 4.625%
HK$22,607
+HK$1,297/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,620/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,309
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,907
−HK$607/mo
Today · 4.125%
HK$23,514
baseline
▲ 0.50% · 4.625%
HK$24,753
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,028/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,782
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,584
−HK$815/mo
Today · 4.125%
HK$27,399
baseline
▲ 0.50% · 4.625%
HK$29,066
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,798/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,682
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,452
−HK$780/mo
Today · 4.125%
HK$30,232
baseline
▲ 0.50% · 4.625%
HK$31,826
+HK$1,594/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,464/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,150 · 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).