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$13,872
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,303
−HK$439/mo
Today · 4.125%
HK$14,742
baseline
▲ 0.50% · 4.625%
HK$15,639
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,484/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,432
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,846
−HK$420/mo
Today · 4.125%
HK$16,266
baseline
▲ 0.50% · 4.625%
HK$17,123
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,532/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,646
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,164
−HK$526/mo
Today · 4.125%
HK$17,690
baseline
▲ 0.50% · 4.625%
HK$18,766
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,380/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,519
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,015
−HK$504/mo
Today · 4.125%
HK$19,519
baseline
▲ 0.50% · 4.625%
HK$20,548
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,038/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,421
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,025
−HK$613/mo
Today · 4.125%
HK$20,638
baseline
▲ 0.50% · 4.625%
HK$21,894
+HK$1,256/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,276/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,605
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,185
−HK$587/mo
Today · 4.125%
HK$22,772
baseline
▲ 0.50% · 4.625%
HK$23,973
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,544/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,969
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,746
−HK$789/mo
Today · 4.125%
HK$26,535
baseline
▲ 0.50% · 4.625%
HK$28,150
+HK$1,615/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$53,070/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,778
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,523
−HK$756/mo
Today · 4.125%
HK$29,279
baseline
▲ 0.50% · 4.625%
HK$30,822
+HK$1,543/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$58,558/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,344 · 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).