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$13,842
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,273
−HK$437/mo
Today · 4.125%
HK$14,710
baseline
▲ 0.50% · 4.625%
HK$15,606
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,420/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,400
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,813
−HK$419/mo
Today · 4.125%
HK$16,232
baseline
▲ 0.50% · 4.625%
HK$17,087
+HK$855/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,464/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,611
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,128
−HK$525/mo
Today · 4.125%
HK$17,653
baseline
▲ 0.50% · 4.625%
HK$18,727
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,306/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,479
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,975
−HK$503/mo
Today · 4.125%
HK$19,478
baseline
▲ 0.50% · 4.625%
HK$20,505
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,956/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,379
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,982
−HK$613/mo
Today · 4.125%
HK$20,595
baseline
▲ 0.50% · 4.625%
HK$21,848
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,190/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,559
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,138
−HK$586/mo
Today · 4.125%
HK$22,724
baseline
▲ 0.50% · 4.625%
HK$23,922
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,448/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,916
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,691
−HK$788/mo
Today · 4.125%
HK$26,479
baseline
▲ 0.50% · 4.625%
HK$28,090
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,958/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,719
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,463
−HK$754/mo
Today · 4.125%
HK$29,217
baseline
▲ 0.50% · 4.625%
HK$30,757
+HK$1,540/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,434/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,057 · 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).