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$13,985
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,420
−HK$442/mo
Today · 4.125%
HK$14,862
baseline
▲ 0.50% · 4.625%
HK$15,767
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,724/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,559
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,976
−HK$423/mo
Today · 4.125%
HK$16,399
baseline
▲ 0.50% · 4.625%
HK$17,264
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,798/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,782
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,304
−HK$531/mo
Today · 4.125%
HK$17,835
baseline
▲ 0.50% · 4.625%
HK$18,920
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,670/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,670
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,171
−HK$508/mo
Today · 4.125%
HK$19,679
baseline
▲ 0.50% · 4.625%
HK$20,716
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,358/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,580
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,189
−HK$618/mo
Today · 4.125%
HK$20,807
baseline
▲ 0.50% · 4.625%
HK$22,073
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,614/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,782
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,366
−HK$593/mo
Today · 4.125%
HK$22,959
baseline
▲ 0.50% · 4.625%
HK$24,169
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,918/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,174
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,957
−HK$795/mo
Today · 4.125%
HK$26,752
baseline
▲ 0.50% · 4.625%
HK$28,380
+HK$1,628/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,504/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,005
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,757
−HK$762/mo
Today · 4.125%
HK$29,519
baseline
▲ 0.50% · 4.625%
HK$31,074
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,038/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,325 · 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).