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$14,961
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,427
−HK$473/mo
Today · 4.125%
HK$15,900
baseline
▲ 0.50% · 4.625%
HK$16,867
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,800/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,644
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,091
−HK$453/mo
Today · 4.125%
HK$17,544
baseline
▲ 0.50% · 4.625%
HK$18,468
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,088/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,954
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,512
−HK$568/mo
Today · 4.125%
HK$19,080
baseline
▲ 0.50% · 4.625%
HK$20,241
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,160/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,973
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,509
−HK$543/mo
Today · 4.125%
HK$21,052
baseline
▲ 0.50% · 4.625%
HK$22,162
+HK$1,110/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,104/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,946
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,598
−HK$662/mo
Today · 4.125%
HK$22,260
baseline
▲ 0.50% · 4.625%
HK$23,614
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,520/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,302
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,927
−HK$634/mo
Today · 4.125%
HK$24,561
baseline
▲ 0.50% · 4.625%
HK$25,856
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,122/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,931
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,768
−HK$851/mo
Today · 4.125%
HK$28,619
baseline
▲ 0.50% · 4.625%
HK$30,361
+HK$1,742/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$57,238/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,960
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,764
−HK$815/mo
Today · 4.125%
HK$31,579
baseline
▲ 0.50% · 4.625%
HK$33,243
+HK$1,664/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$63,158/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,130 · 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).