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$13,831
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,262
−HK$437/mo
Today · 4.125%
HK$14,699
baseline
▲ 0.50% · 4.625%
HK$15,593
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,398/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,387
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,800
−HK$419/mo
Today · 4.125%
HK$16,219
baseline
▲ 0.50% · 4.625%
HK$17,074
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,438/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,598
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$525/mo
Today · 4.125%
HK$17,639
baseline
▲ 0.50% · 4.625%
HK$18,712
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,278/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,465
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$502/mo
Today · 4.125%
HK$19,462
baseline
▲ 0.50% · 4.625%
HK$20,488
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,924/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,364
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,966
−HK$612/mo
Today · 4.125%
HK$20,578
baseline
▲ 0.50% · 4.625%
HK$21,830
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,156/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,542
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,120
−HK$586/mo
Today · 4.125%
HK$22,706
baseline
▲ 0.50% · 4.625%
HK$23,903
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,412/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,897
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,671
−HK$787/mo
Today · 4.125%
HK$26,458
baseline
▲ 0.50% · 4.625%
HK$28,068
+HK$1,610/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,916/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,697
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,440
−HK$754/mo
Today · 4.125%
HK$29,194
baseline
▲ 0.50% · 4.625%
HK$30,733
+HK$1,539/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,388/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,576 · 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).