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$15,683
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,171
−HK$495/mo
Today · 4.125%
HK$16,666
baseline
▲ 0.50% · 4.625%
HK$17,681
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,332/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,447
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,915
−HK$475/mo
Today · 4.125%
HK$18,390
baseline
▲ 0.50% · 4.625%
HK$19,359
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,780/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,820
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,405
−HK$595/mo
Today · 4.125%
HK$20,000
baseline
▲ 0.50% · 4.625%
HK$21,217
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,000/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,937
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,498
−HK$570/mo
Today · 4.125%
HK$22,068
baseline
▲ 0.50% · 4.625%
HK$23,231
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,136/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,956
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,639
−HK$694/mo
Today · 4.125%
HK$23,333
baseline
▲ 0.50% · 4.625%
HK$24,753
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,666/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,426
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,081
−HK$665/mo
Today · 4.125%
HK$25,746
baseline
▲ 0.50% · 4.625%
HK$27,103
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,492/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,229
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,107
−HK$893/mo
Today · 4.125%
HK$30,000
baseline
▲ 0.50% · 4.625%
HK$31,825
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,000/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,405
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,247
−HK$855/mo
Today · 4.125%
HK$33,102
baseline
▲ 0.50% · 4.625%
HK$34,846
+HK$1,744/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,204/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,332 · 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).