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$15,424
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,903
−HK$488/mo
Today · 4.125%
HK$16,391
baseline
▲ 0.50% · 4.625%
HK$17,388
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,782/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,159
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,619
−HK$467/mo
Today · 4.125%
HK$18,086
baseline
▲ 0.50% · 4.625%
HK$19,039
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,172/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,508
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,084
−HK$585/mo
Today · 4.125%
HK$19,669
baseline
▲ 0.50% · 4.625%
HK$20,866
+HK$1,197/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,338/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,590
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,143
−HK$560/mo
Today · 4.125%
HK$21,703
baseline
▲ 0.50% · 4.625%
HK$22,847
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,406/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,593
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,265
−HK$682/mo
Today · 4.125%
HK$22,947
baseline
▲ 0.50% · 4.625%
HK$24,343
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,894/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,022
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,666
−HK$654/mo
Today · 4.125%
HK$25,320
baseline
▲ 0.50% · 4.625%
HK$26,655
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,640/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,763
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,626
−HK$878/mo
Today · 4.125%
HK$29,504
baseline
▲ 0.50% · 4.625%
HK$31,299
+HK$1,795/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$59,008/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,886
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,714
−HK$840/mo
Today · 4.125%
HK$32,554
baseline
▲ 0.50% · 4.625%
HK$34,270
+HK$1,716/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$65,108/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,920 · 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).