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$13,936
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,369
−HK$441/mo
Today · 4.125%
HK$14,810
baseline
▲ 0.50% · 4.625%
HK$15,711
+HK$901/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,620/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,503
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,919
−HK$422/mo
Today · 4.125%
HK$16,341
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$861/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,682/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,723
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,243
−HK$529/mo
Today · 4.125%
HK$17,772
baseline
▲ 0.50% · 4.625%
HK$18,853
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$35,544/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,604
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,103
−HK$506/mo
Today · 4.125%
HK$19,609
baseline
▲ 0.50% · 4.625%
HK$20,643
+HK$1,034/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$39,218/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,510
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,117
−HK$617/mo
Today · 4.125%
HK$20,734
baseline
▲ 0.50% · 4.625%
HK$21,995
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,468/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,705
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,287
−HK$590/mo
Today · 4.125%
HK$22,877
baseline
▲ 0.50% · 4.625%
HK$24,083
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,754/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,084
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,865
−HK$792/mo
Today · 4.125%
HK$26,657
baseline
▲ 0.50% · 4.625%
HK$28,279
+HK$1,622/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,314/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,906
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,655
−HK$759/mo
Today · 4.125%
HK$29,414
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,828/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,149 · 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).