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$14,239
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,682
−HK$450/mo
Today · 4.125%
HK$15,132
baseline
▲ 0.50% · 4.625%
HK$16,053
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,264/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,841
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,266
−HK$431/mo
Today · 4.125%
HK$16,697
baseline
▲ 0.50% · 4.625%
HK$17,577
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,394/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,087
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,619
−HK$540/mo
Today · 4.125%
HK$18,159
baseline
▲ 0.50% · 4.625%
HK$19,264
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,318/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,009
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,519
−HK$517/mo
Today · 4.125%
HK$20,036
baseline
▲ 0.50% · 4.625%
HK$21,092
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,072/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,935
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,555
−HK$630/mo
Today · 4.125%
HK$21,185
baseline
▲ 0.50% · 4.625%
HK$22,474
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,370/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,178
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,772
−HK$604/mo
Today · 4.125%
HK$23,376
baseline
▲ 0.50% · 4.625%
HK$24,608
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,752/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,631
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,428
−HK$810/mo
Today · 4.125%
HK$27,238
baseline
▲ 0.50% · 4.625%
HK$28,895
+HK$1,657/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,476/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,514
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,279
−HK$776/mo
Today · 4.125%
HK$30,055
baseline
▲ 0.50% · 4.625%
HK$31,639
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,110/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$159,462 · 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).