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$14,126
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,565
−HK$446/mo
Today · 4.125%
HK$15,011
baseline
▲ 0.50% · 4.625%
HK$15,925
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,022/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,714
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,136
−HK$427/mo
Today · 4.125%
HK$16,563
baseline
▲ 0.50% · 4.625%
HK$17,437
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,126/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,951
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,478
−HK$536/mo
Today · 4.125%
HK$18,014
baseline
▲ 0.50% · 4.625%
HK$19,110
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,028/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,857
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,363
−HK$513/mo
Today · 4.125%
HK$19,876
baseline
▲ 0.50% · 4.625%
HK$20,924
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,752/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,776
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,391
−HK$625/mo
Today · 4.125%
HK$21,016
baseline
▲ 0.50% · 4.625%
HK$22,295
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,032/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,000
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,590
−HK$599/mo
Today · 4.125%
HK$23,189
baseline
▲ 0.50% · 4.625%
HK$24,411
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,378/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,426
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,217
−HK$803/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,664
+HK$1,644/mo
Deposit HK$619K · loan HK$5.58M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,286
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,045
−HK$769/mo
Today · 4.125%
HK$29,814
baseline
▲ 0.50% · 4.625%
HK$31,386
+HK$1,572/mo
Deposit HK$619K · loan HK$5.58M · min. income ≈ HK$59,628/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,470 · 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).