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$14,143
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,583
−HK$447/mo
Today · 4.125%
HK$15,030
baseline
▲ 0.50% · 4.625%
HK$15,945
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,060/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,734
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,156
−HK$428/mo
Today · 4.125%
HK$16,584
baseline
▲ 0.50% · 4.625%
HK$17,459
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,168/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,972
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,500
−HK$536/mo
Today · 4.125%
HK$18,036
baseline
▲ 0.50% · 4.625%
HK$19,134
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,072/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,881
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,388
−HK$513/mo
Today · 4.125%
HK$19,901
baseline
▲ 0.50% · 4.625%
HK$20,950
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,802/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,801
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,417
−HK$625/mo
Today · 4.125%
HK$21,042
baseline
▲ 0.50% · 4.625%
HK$22,323
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,084/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,028
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,619
−HK$599/mo
Today · 4.125%
HK$23,218
baseline
▲ 0.50% · 4.625%
HK$24,442
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,436/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,458
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,250
−HK$804/mo
Today · 4.125%
HK$27,054
baseline
▲ 0.50% · 4.625%
HK$28,701
+HK$1,647/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,108/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,322
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,081
−HK$771/mo
Today · 4.125%
HK$29,852
baseline
▲ 0.50% · 4.625%
HK$31,425
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,704/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,252 · 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).