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$14,192
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,633
−HK$449/mo
Today · 4.125%
HK$15,082
baseline
▲ 0.50% · 4.625%
HK$16,000
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,164/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,788
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,212
−HK$429/mo
Today · 4.125%
HK$16,641
baseline
▲ 0.50% · 4.625%
HK$17,519
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,282/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,030
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,560
−HK$538/mo
Today · 4.125%
HK$18,098
baseline
▲ 0.50% · 4.625%
HK$19,200
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,196/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,946
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,454
−HK$516/mo
Today · 4.125%
HK$19,970
baseline
▲ 0.50% · 4.625%
HK$21,022
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,940/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,869
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,487
−HK$628/mo
Today · 4.125%
HK$21,115
baseline
▲ 0.50% · 4.625%
HK$22,399
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,230/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,104
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,697
−HK$601/mo
Today · 4.125%
HK$23,298
baseline
▲ 0.50% · 4.625%
HK$24,526
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,596/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,546
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,340
−HK$807/mo
Today · 4.125%
HK$27,147
baseline
▲ 0.50% · 4.625%
HK$28,799
+HK$1,652/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,294/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,419
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,181
−HK$774/mo
Today · 4.125%
HK$29,955
baseline
▲ 0.50% · 4.625%
HK$31,533
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,910/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,384 · 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).