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$14,065
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,503
−HK$444/mo
Today · 4.125%
HK$14,947
baseline
▲ 0.50% · 4.625%
HK$15,857
+HK$910/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,894/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,647
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,067
−HK$426/mo
Today · 4.125%
HK$16,493
baseline
▲ 0.50% · 4.625%
HK$17,362
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,986/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,878
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,403
−HK$534/mo
Today · 4.125%
HK$17,937
baseline
▲ 0.50% · 4.625%
HK$19,028
+HK$1,091/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,874/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,777
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,280
−HK$511/mo
Today · 4.125%
HK$19,791
baseline
▲ 0.50% · 4.625%
HK$20,834
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,582/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,691
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,304
−HK$622/mo
Today · 4.125%
HK$20,926
baseline
▲ 0.50% · 4.625%
HK$22,199
+HK$1,273/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,852/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,906
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,494
−HK$596/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,307
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,317
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,105
−HK$800/mo
Today · 4.125%
HK$26,905
baseline
▲ 0.50% · 4.625%
HK$28,542
+HK$1,637/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,810/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$151,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,165
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,921
−HK$766/mo
Today · 4.125%
HK$29,687
baseline
▲ 0.50% · 4.625%
HK$31,252
+HK$1,565/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,374/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$151,822 · 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).