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$13,736
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,163
−HK$434/mo
Today · 4.125%
HK$14,597
baseline
▲ 0.50% · 4.625%
HK$15,486
+HK$889/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,194/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,281
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,691
−HK$416/mo
Today · 4.125%
HK$16,107
baseline
▲ 0.50% · 4.625%
HK$16,956
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,214/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,483
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,996
−HK$521/mo
Today · 4.125%
HK$17,517
baseline
▲ 0.50% · 4.625%
HK$18,583
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,034/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,337
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,829
−HK$499/mo
Today · 4.125%
HK$19,328
baseline
▲ 0.50% · 4.625%
HK$20,347
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,656/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,231
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,829
−HK$607/mo
Today · 4.125%
HK$20,436
baseline
▲ 0.50% · 4.625%
HK$21,680
+HK$1,244/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,872/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,394
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,968
−HK$582/mo
Today · 4.125%
HK$22,550
baseline
▲ 0.50% · 4.625%
HK$23,738
+HK$1,188/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,100/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$137,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,725
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,494
−HK$781/mo
Today · 4.125%
HK$26,275
baseline
▲ 0.50% · 4.625%
HK$27,874
+HK$1,599/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,550/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,506
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,244
−HK$748/mo
Today · 4.125%
HK$28,992
baseline
▲ 0.50% · 4.625%
HK$30,521
+HK$1,529/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,984/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,392 · 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).