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$14,194
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,635
−HK$449/mo
Today · 4.125%
HK$15,084
baseline
▲ 0.50% · 4.625%
HK$16,001
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,168/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,790
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,214
−HK$429/mo
Today · 4.125%
HK$16,643
baseline
▲ 0.50% · 4.625%
HK$17,521
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,286/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,032
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,562
−HK$538/mo
Today · 4.125%
HK$18,100
baseline
▲ 0.50% · 4.625%
HK$19,202
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,200/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,948
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,456
−HK$516/mo
Today · 4.125%
HK$19,972
baseline
▲ 0.50% · 4.625%
HK$21,025
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,944/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,871
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,489
−HK$628/mo
Today · 4.125%
HK$21,117
baseline
▲ 0.50% · 4.625%
HK$22,402
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,234/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,106
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,699
−HK$602/mo
Today · 4.125%
HK$23,301
baseline
▲ 0.50% · 4.625%
HK$24,529
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,602/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,549
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,343
−HK$808/mo
Today · 4.125%
HK$27,151
baseline
▲ 0.50% · 4.625%
HK$28,803
+HK$1,652/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,302/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,422
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,185
−HK$773/mo
Today · 4.125%
HK$29,958
baseline
▲ 0.50% · 4.625%
HK$31,537
+HK$1,579/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,916/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,457 · 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).