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$14,549
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,002
−HK$460/mo
Today · 4.125%
HK$15,462
baseline
▲ 0.50% · 4.625%
HK$16,403
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,924/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,186
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,620
−HK$441/mo
Today · 4.125%
HK$17,061
baseline
▲ 0.50% · 4.625%
HK$17,960
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,122/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,459
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,002
−HK$552/mo
Today · 4.125%
HK$18,554
baseline
▲ 0.50% · 4.625%
HK$19,683
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,108/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,423
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,944
−HK$529/mo
Today · 4.125%
HK$20,473
baseline
▲ 0.50% · 4.625%
HK$21,552
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,946/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,369
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,003
−HK$644/mo
Today · 4.125%
HK$21,647
baseline
▲ 0.50% · 4.625%
HK$22,964
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,294/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,661
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,268
−HK$617/mo
Today · 4.125%
HK$23,885
baseline
▲ 0.50% · 4.625%
HK$25,144
+HK$1,259/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,770/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,189
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,004
−HK$827/mo
Today · 4.125%
HK$27,831
baseline
▲ 0.50% · 4.625%
HK$29,525
+HK$1,694/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,662/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,135
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,916
−HK$793/mo
Today · 4.125%
HK$30,709
baseline
▲ 0.50% · 4.625%
HK$32,328
+HK$1,619/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,418/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,064 · 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).