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$14,527
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,979
−HK$459/mo
Today · 4.125%
HK$15,438
baseline
▲ 0.50% · 4.625%
HK$16,377
+HK$939/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,876/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,161
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,594
−HK$440/mo
Today · 4.125%
HK$17,034
baseline
▲ 0.50% · 4.625%
HK$17,932
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,068/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,432
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,974
−HK$551/mo
Today · 4.125%
HK$18,525
baseline
▲ 0.50% · 4.625%
HK$19,652
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,050/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,393
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,913
−HK$528/mo
Today · 4.125%
HK$20,441
baseline
▲ 0.50% · 4.625%
HK$21,518
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,882/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,337
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,970
−HK$643/mo
Today · 4.125%
HK$21,613
baseline
▲ 0.50% · 4.625%
HK$22,928
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,226/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,625
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,232
−HK$615/mo
Today · 4.125%
HK$23,847
baseline
▲ 0.50% · 4.625%
HK$25,104
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,694/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,148
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,961
−HK$827/mo
Today · 4.125%
HK$27,788
baseline
▲ 0.50% · 4.625%
HK$29,479
+HK$1,691/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,576/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,089
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,870
−HK$791/mo
Today · 4.125%
HK$30,661
baseline
▲ 0.50% · 4.625%
HK$32,277
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,322/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,063 · 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).