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$15,850
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,343
−HK$501/mo
Today · 4.125%
HK$16,844
baseline
▲ 0.50% · 4.625%
HK$17,869
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,688/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,633
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,106
−HK$479/mo
Today · 4.125%
HK$18,585
baseline
▲ 0.50% · 4.625%
HK$19,565
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,170/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,020
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,611
−HK$601/mo
Today · 4.125%
HK$20,212
baseline
▲ 0.50% · 4.625%
HK$21,442
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,424/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,159
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,727
−HK$575/mo
Today · 4.125%
HK$22,302
baseline
▲ 0.50% · 4.625%
HK$23,478
+HK$1,176/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,604/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,190
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,880
−HK$701/mo
Today · 4.125%
HK$23,581
baseline
▲ 0.50% · 4.625%
HK$25,016
+HK$1,435/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,162/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,686
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,348
−HK$671/mo
Today · 4.125%
HK$26,019
baseline
▲ 0.50% · 4.625%
HK$27,391
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,038/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,530
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,417
−HK$902/mo
Today · 4.125%
HK$30,319
baseline
▲ 0.50% · 4.625%
HK$32,163
+HK$1,844/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$60,638/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,739
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,590
−HK$864/mo
Today · 4.125%
HK$33,454
baseline
▲ 0.50% · 4.625%
HK$35,217
+HK$1,763/mo
Deposit HK$695K · loan HK$6.26M · min. income ≈ HK$66,908/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,526 · 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).