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$13,846
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,276
−HK$438/mo
Today · 4.125%
HK$14,714
baseline
▲ 0.50% · 4.625%
HK$15,609
+HK$895/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,428/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,403
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,816
−HK$419/mo
Today · 4.125%
HK$16,235
baseline
▲ 0.50% · 4.625%
HK$17,091
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,470/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,615
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,132
−HK$525/mo
Today · 4.125%
HK$17,657
baseline
▲ 0.50% · 4.625%
HK$18,731
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,314/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,484
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,980
−HK$502/mo
Today · 4.125%
HK$19,482
baseline
▲ 0.50% · 4.625%
HK$20,509
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,964/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,384
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,987
−HK$612/mo
Today · 4.125%
HK$20,599
baseline
▲ 0.50% · 4.625%
HK$21,853
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,198/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,564
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,143
−HK$586/mo
Today · 4.125%
HK$22,729
baseline
▲ 0.50% · 4.625%
HK$23,928
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,458/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,922
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,697
−HK$788/mo
Today · 4.125%
HK$26,485
baseline
▲ 0.50% · 4.625%
HK$28,097
+HK$1,612/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,970/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,726
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,469
−HK$755/mo
Today · 4.125%
HK$29,224
baseline
▲ 0.50% · 4.625%
HK$30,764
+HK$1,540/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,448/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,198 · 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).