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$14,803
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,264
−HK$468/mo
Today · 4.125%
HK$15,732
baseline
▲ 0.50% · 4.625%
HK$16,689
+HK$957/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,464/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,468
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,910
−HK$448/mo
Today · 4.125%
HK$17,358
baseline
▲ 0.50% · 4.625%
HK$18,273
+HK$915/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,716/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,764
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,316
−HK$562/mo
Today · 4.125%
HK$18,878
baseline
▲ 0.50% · 4.625%
HK$20,027
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,756/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,762
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,292
−HK$538/mo
Today · 4.125%
HK$20,830
baseline
▲ 0.50% · 4.625%
HK$21,928
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,660/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,725
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,369
−HK$655/mo
Today · 4.125%
HK$22,024
baseline
▲ 0.50% · 4.625%
HK$23,364
+HK$1,340/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,048/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,056
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,674
−HK$627/mo
Today · 4.125%
HK$24,301
baseline
▲ 0.50% · 4.625%
HK$25,582
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,602/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,646
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,475
−HK$842/mo
Today · 4.125%
HK$28,317
baseline
▲ 0.50% · 4.625%
HK$30,040
+HK$1,723/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,634/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,643
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,438
−HK$807/mo
Today · 4.125%
HK$31,245
baseline
▲ 0.50% · 4.625%
HK$32,892
+HK$1,647/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,490/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$184,193 · 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).