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$15,883
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,377
−HK$502/mo
Today · 4.125%
HK$16,879
baseline
▲ 0.50% · 4.625%
HK$17,906
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,758/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,669
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,143
−HK$481/mo
Today · 4.125%
HK$18,624
baseline
▲ 0.50% · 4.625%
HK$19,606
+HK$982/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,248/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,059
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,652
−HK$602/mo
Today · 4.125%
HK$20,254
baseline
▲ 0.50% · 4.625%
HK$21,487
+HK$1,233/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,508/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,203
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,772
−HK$577/mo
Today · 4.125%
HK$22,349
baseline
▲ 0.50% · 4.625%
HK$23,527
+HK$1,178/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,698/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$208,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,236
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,927
−HK$703/mo
Today · 4.125%
HK$23,630
baseline
▲ 0.50% · 4.625%
HK$25,068
+HK$1,438/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$47,260/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,737
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,400
−HK$673/mo
Today · 4.125%
HK$26,073
baseline
▲ 0.50% · 4.625%
HK$27,448
+HK$1,375/mo
Deposit HK$2.09M · loan HK$4.88M · min. income ≈ HK$52,146/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,589
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,478
−HK$904/mo
Today · 4.125%
HK$30,382
baseline
▲ 0.50% · 4.625%
HK$32,230
+HK$1,848/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$60,764/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,805
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,658
−HK$865/mo
Today · 4.125%
HK$33,523
baseline
▲ 0.50% · 4.625%
HK$35,290
+HK$1,767/mo
Deposit HK$697K · loan HK$6.27M · min. income ≈ HK$67,046/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,959 · 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).