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$15,543
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,027
−HK$491/mo
Today · 4.125%
HK$16,518
baseline
▲ 0.50% · 4.625%
HK$17,523
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,036/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,292
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,756
−HK$470/mo
Today · 4.125%
HK$18,226
baseline
▲ 0.50% · 4.625%
HK$19,187
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,452/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,652
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,232
−HK$590/mo
Today · 4.125%
HK$19,822
baseline
▲ 0.50% · 4.625%
HK$21,028
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,644/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,750
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,307
−HK$564/mo
Today · 4.125%
HK$21,871
baseline
▲ 0.50% · 4.625%
HK$23,024
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,742/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,761
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,438
−HK$687/mo
Today · 4.125%
HK$23,125
baseline
▲ 0.50% · 4.625%
HK$24,533
+HK$1,408/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,250/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,209
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,858
−HK$659/mo
Today · 4.125%
HK$25,517
baseline
▲ 0.50% · 4.625%
HK$26,862
+HK$1,345/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,034/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,978
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,848
−HK$885/mo
Today · 4.125%
HK$29,733
baseline
▲ 0.50% · 4.625%
HK$31,542
+HK$1,809/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$59,466/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,125
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,960
−HK$847/mo
Today · 4.125%
HK$32,807
baseline
▲ 0.50% · 4.625%
HK$34,536
+HK$1,729/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$65,614/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,496 · 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).