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$15,294
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,769
−HK$484/mo
Today · 4.125%
HK$16,253
baseline
▲ 0.50% · 4.625%
HK$17,241
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,506/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,014
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,470
−HK$463/mo
Today · 4.125%
HK$17,933
baseline
▲ 0.50% · 4.625%
HK$18,878
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,866/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,352
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,923
−HK$580/mo
Today · 4.125%
HK$19,503
baseline
▲ 0.50% · 4.625%
HK$20,690
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$39,006/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,417
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,964
−HK$556/mo
Today · 4.125%
HK$21,520
baseline
▲ 0.50% · 4.625%
HK$22,654
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,040/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,411
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,077
−HK$677/mo
Today · 4.125%
HK$22,754
baseline
▲ 0.50% · 4.625%
HK$24,138
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,508/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,819
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,458
−HK$648/mo
Today · 4.125%
HK$25,106
baseline
▲ 0.50% · 4.625%
HK$26,430
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,212/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,528
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,385
−HK$870/mo
Today · 4.125%
HK$29,255
baseline
▲ 0.50% · 4.625%
HK$31,035
+HK$1,780/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,510/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,625
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,446
−HK$834/mo
Today · 4.125%
HK$32,280
baseline
▲ 0.50% · 4.625%
HK$33,981
+HK$1,701/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,560/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,208 · 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).