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$13,991
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,426
−HK$442/mo
Today · 4.125%
HK$14,868
baseline
▲ 0.50% · 4.625%
HK$15,773
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,736/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,565
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,982
−HK$424/mo
Today · 4.125%
HK$16,406
baseline
▲ 0.50% · 4.625%
HK$17,270
+HK$864/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,812/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,789
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,311
−HK$531/mo
Today · 4.125%
HK$17,842
baseline
▲ 0.50% · 4.625%
HK$18,928
+HK$1,086/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,684/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,678
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,179
−HK$508/mo
Today · 4.125%
HK$19,687
baseline
▲ 0.50% · 4.625%
HK$20,725
+HK$1,038/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,374/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,587
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,197
−HK$619/mo
Today · 4.125%
HK$20,816
baseline
▲ 0.50% · 4.625%
HK$22,082
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,632/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,791
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,375
−HK$593/mo
Today · 4.125%
HK$22,968
baseline
▲ 0.50% · 4.625%
HK$24,179
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,936/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,184
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,967
−HK$796/mo
Today · 4.125%
HK$26,763
baseline
▲ 0.50% · 4.625%
HK$28,391
+HK$1,628/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$53,526/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,017
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,768
−HK$762/mo
Today · 4.125%
HK$29,530
baseline
▲ 0.50% · 4.625%
HK$31,087
+HK$1,557/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$59,060/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,570 · 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).