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$14,147
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,587
−HK$447/mo
Today · 4.125%
HK$15,034
baseline
▲ 0.50% · 4.625%
HK$15,949
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,068/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,738
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,161
−HK$428/mo
Today · 4.125%
HK$16,589
baseline
▲ 0.50% · 4.625%
HK$17,463
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,178/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,976
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,505
−HK$536/mo
Today · 4.125%
HK$18,041
baseline
▲ 0.50% · 4.625%
HK$19,139
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,082/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,886
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,393
−HK$513/mo
Today · 4.125%
HK$19,906
baseline
▲ 0.50% · 4.625%
HK$20,956
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,812/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,806
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,422
−HK$626/mo
Today · 4.125%
HK$21,048
baseline
▲ 0.50% · 4.625%
HK$22,329
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,096/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,034
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,625
−HK$599/mo
Today · 4.125%
HK$23,224
baseline
▲ 0.50% · 4.625%
HK$24,448
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,448/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,465
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,257
−HK$805/mo
Today · 4.125%
HK$27,062
baseline
▲ 0.50% · 4.625%
HK$28,708
+HK$1,646/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,124/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,329
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,089
−HK$771/mo
Today · 4.125%
HK$29,860
baseline
▲ 0.50% · 4.625%
HK$31,434
+HK$1,574/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,720/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,415 · 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).