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$14,533
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,985
−HK$459/mo
Today · 4.125%
HK$15,444
baseline
▲ 0.50% · 4.625%
HK$16,384
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,888/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,168
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,602
−HK$439/mo
Today · 4.125%
HK$17,041
baseline
▲ 0.50% · 4.625%
HK$17,940
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,082/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,440
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,982
−HK$551/mo
Today · 4.125%
HK$18,533
baseline
▲ 0.50% · 4.625%
HK$19,661
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,066/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,401
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,922
−HK$528/mo
Today · 4.125%
HK$20,450
baseline
▲ 0.50% · 4.625%
HK$21,528
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,900/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,346
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,979
−HK$643/mo
Today · 4.125%
HK$21,622
baseline
▲ 0.50% · 4.625%
HK$22,938
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,244/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,635
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,242
−HK$616/mo
Today · 4.125%
HK$23,858
baseline
▲ 0.50% · 4.625%
HK$25,116
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,716/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,160
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,973
−HK$827/mo
Today · 4.125%
HK$27,800
baseline
▲ 0.50% · 4.625%
HK$29,492
+HK$1,692/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$55,600/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,102
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,883
−HK$792/mo
Today · 4.125%
HK$30,675
baseline
▲ 0.50% · 4.625%
HK$32,291
+HK$1,616/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$61,350/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,345 · 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).