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$13,888
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,320
−HK$439/mo
Today · 4.125%
HK$14,759
baseline
▲ 0.50% · 4.625%
HK$15,657
+HK$898/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,518/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,450
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,864
−HK$421/mo
Today · 4.125%
HK$16,285
baseline
▲ 0.50% · 4.625%
HK$17,143
+HK$858/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,570/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,665
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,184
−HK$526/mo
Today · 4.125%
HK$17,710
baseline
▲ 0.50% · 4.625%
HK$18,788
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,420/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,540
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,037
−HK$505/mo
Today · 4.125%
HK$19,542
baseline
▲ 0.50% · 4.625%
HK$20,572
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,084/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,443
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,048
−HK$614/mo
Today · 4.125%
HK$20,662
baseline
▲ 0.50% · 4.625%
HK$21,919
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,324/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,630
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,210
−HK$588/mo
Today · 4.125%
HK$22,798
baseline
▲ 0.50% · 4.625%
HK$24,000
+HK$1,202/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,596/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,998
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,775
−HK$790/mo
Today · 4.125%
HK$26,565
baseline
▲ 0.50% · 4.625%
HK$28,182
+HK$1,617/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,130/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,810
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,556
−HK$756/mo
Today · 4.125%
HK$29,312
baseline
▲ 0.50% · 4.625%
HK$30,857
+HK$1,545/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,624/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,040 · 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).