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$15,412
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,891
−HK$487/mo
Today · 4.125%
HK$16,378
baseline
▲ 0.50% · 4.625%
HK$17,375
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,756/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,146
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,605
−HK$467/mo
Today · 4.125%
HK$18,072
baseline
▲ 0.50% · 4.625%
HK$19,024
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,144/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,494
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,069
−HK$585/mo
Today · 4.125%
HK$19,654
baseline
▲ 0.50% · 4.625%
HK$20,850
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,308/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,575
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,126
−HK$560/mo
Today · 4.125%
HK$21,686
baseline
▲ 0.50% · 4.625%
HK$22,829
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,372/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,577
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,248
−HK$682/mo
Today · 4.125%
HK$22,930
baseline
▲ 0.50% · 4.625%
HK$24,325
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,860/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,004
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,647
−HK$654/mo
Today · 4.125%
HK$25,301
baseline
▲ 0.50% · 4.625%
HK$26,634
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,602/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,741
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,604
−HK$877/mo
Today · 4.125%
HK$29,481
baseline
▲ 0.50% · 4.625%
HK$31,275
+HK$1,794/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,962/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,862
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,690
−HK$839/mo
Today · 4.125%
HK$32,529
baseline
▲ 0.50% · 4.625%
HK$34,244
+HK$1,715/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,058/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,765 · 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).