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$14,562
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,015
−HK$460/mo
Today · 4.125%
HK$15,475
baseline
▲ 0.50% · 4.625%
HK$16,417
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,950/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,200
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,635
−HK$440/mo
Today · 4.125%
HK$17,075
baseline
▲ 0.50% · 4.625%
HK$17,975
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,150/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,474
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,018
−HK$552/mo
Today · 4.125%
HK$18,570
baseline
▲ 0.50% · 4.625%
HK$19,700
+HK$1,130/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,140/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,440
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,962
−HK$528/mo
Today · 4.125%
HK$20,490
baseline
▲ 0.50% · 4.625%
HK$21,571
+HK$1,081/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,980/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,387
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,021
−HK$644/mo
Today · 4.125%
HK$21,665
baseline
▲ 0.50% · 4.625%
HK$22,984
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,330/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,680
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,288
−HK$618/mo
Today · 4.125%
HK$23,906
baseline
▲ 0.50% · 4.625%
HK$25,166
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,812/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,212
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,027
−HK$828/mo
Today · 4.125%
HK$27,855
baseline
▲ 0.50% · 4.625%
HK$29,550
+HK$1,695/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,710/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,160
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,942
−HK$794/mo
Today · 4.125%
HK$30,736
baseline
▲ 0.50% · 4.625%
HK$32,356
+HK$1,620/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,472/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,615 · 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).