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$13,878
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,309
−HK$439/mo
Today · 4.125%
HK$14,748
baseline
▲ 0.50% · 4.625%
HK$15,645
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,496/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,439
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,853
−HK$420/mo
Today · 4.125%
HK$16,273
baseline
▲ 0.50% · 4.625%
HK$17,131
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,546/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,653
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,171
−HK$527/mo
Today · 4.125%
HK$17,698
baseline
▲ 0.50% · 4.625%
HK$18,774
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,396/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,527
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,023
−HK$505/mo
Today · 4.125%
HK$19,528
baseline
▲ 0.50% · 4.625%
HK$20,557
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,056/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,429
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,033
−HK$614/mo
Today · 4.125%
HK$20,647
baseline
▲ 0.50% · 4.625%
HK$21,904
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,294/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,614
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,194
−HK$588/mo
Today · 4.125%
HK$22,782
baseline
▲ 0.50% · 4.625%
HK$23,983
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,564/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,980
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,757
−HK$789/mo
Today · 4.125%
HK$26,546
baseline
▲ 0.50% · 4.625%
HK$28,162
+HK$1,616/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,092/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,790
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,535
−HK$756/mo
Today · 4.125%
HK$29,291
baseline
▲ 0.50% · 4.625%
HK$30,835
+HK$1,544/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,582/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,605 · 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).