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$14,287
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,731
−HK$452/mo
Today · 4.125%
HK$15,183
baseline
▲ 0.50% · 4.625%
HK$16,106
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,366/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,894
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,320
−HK$433/mo
Today · 4.125%
HK$16,753
baseline
▲ 0.50% · 4.625%
HK$17,636
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,506/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,144
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,677
−HK$542/mo
Today · 4.125%
HK$18,219
baseline
▲ 0.50% · 4.625%
HK$19,328
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,438/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,073
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,584
−HK$519/mo
Today · 4.125%
HK$20,103
baseline
▲ 0.50% · 4.625%
HK$21,163
+HK$1,060/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,206/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,001
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,624
−HK$632/mo
Today · 4.125%
HK$21,256
baseline
▲ 0.50% · 4.625%
HK$22,549
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,512/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,251
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,848
−HK$606/mo
Today · 4.125%
HK$23,454
baseline
▲ 0.50% · 4.625%
HK$24,690
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,908/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,716
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,516
−HK$813/mo
Today · 4.125%
HK$27,329
baseline
▲ 0.50% · 4.625%
HK$28,992
+HK$1,663/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,658/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,609
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,376
−HK$779/mo
Today · 4.125%
HK$30,155
baseline
▲ 0.50% · 4.625%
HK$31,744
+HK$1,589/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,310/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,542 · 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).