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$13,950
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,384
−HK$441/mo
Today · 4.125%
HK$14,825
baseline
▲ 0.50% · 4.625%
HK$15,727
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,650/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,519
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,936
−HK$422/mo
Today · 4.125%
HK$16,358
baseline
▲ 0.50% · 4.625%
HK$17,220
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,716/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,740
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,261
−HK$529/mo
Today · 4.125%
HK$17,790
baseline
▲ 0.50% · 4.625%
HK$18,872
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,580/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,623
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,123
−HK$506/mo
Today · 4.125%
HK$19,629
baseline
▲ 0.50% · 4.625%
HK$20,664
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,258/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,530
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,138
−HK$617/mo
Today · 4.125%
HK$20,755
baseline
▲ 0.50% · 4.625%
HK$22,018
+HK$1,263/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,510/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,727
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,310
−HK$591/mo
Today · 4.125%
HK$22,901
baseline
▲ 0.50% · 4.625%
HK$24,108
+HK$1,207/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,802/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,110
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,891
−HK$794/mo
Today · 4.125%
HK$26,685
baseline
▲ 0.50% · 4.625%
HK$28,309
+HK$1,624/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,370/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,935
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,684
−HK$760/mo
Today · 4.125%
HK$29,444
baseline
▲ 0.50% · 4.625%
HK$30,996
+HK$1,552/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,888/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,781 · 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).