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$15,860
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,354
−HK$501/mo
Today · 4.125%
HK$16,855
baseline
▲ 0.50% · 4.625%
HK$17,880
+HK$1,025/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,710/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,644
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,118
−HK$480/mo
Today · 4.125%
HK$18,598
baseline
▲ 0.50% · 4.625%
HK$19,578
+HK$980/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,196/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,032
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,624
−HK$602/mo
Today · 4.125%
HK$20,226
baseline
▲ 0.50% · 4.625%
HK$21,457
+HK$1,231/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,452/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,173
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,741
−HK$576/mo
Today · 4.125%
HK$22,317
baseline
▲ 0.50% · 4.625%
HK$23,494
+HK$1,177/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,634/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,204
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,895
−HK$702/mo
Today · 4.125%
HK$23,597
baseline
▲ 0.50% · 4.625%
HK$25,033
+HK$1,436/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,194/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,702
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,365
−HK$672/mo
Today · 4.125%
HK$26,037
baseline
▲ 0.50% · 4.625%
HK$27,409
+HK$1,372/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,074/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,549
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,437
−HK$902/mo
Today · 4.125%
HK$30,339
baseline
▲ 0.50% · 4.625%
HK$32,185
+HK$1,846/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$60,678/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,760
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,612
−HK$864/mo
Today · 4.125%
HK$33,476
baseline
▲ 0.50% · 4.625%
HK$35,240
+HK$1,764/mo
Deposit HK$696K · loan HK$6.26M · min. income ≈ HK$66,952/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$208,665 · 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).