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$15,822
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,314
−HK$500/mo
Today · 4.125%
HK$16,814
baseline
▲ 0.50% · 4.625%
HK$17,837
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,628/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,602
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,074
−HK$479/mo
Today · 4.125%
HK$18,553
baseline
▲ 0.50% · 4.625%
HK$19,531
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,106/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,986
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,577
−HK$600/mo
Today · 4.125%
HK$20,177
baseline
▲ 0.50% · 4.625%
HK$21,405
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,354/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,122
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$574/mo
Today · 4.125%
HK$22,263
baseline
▲ 0.50% · 4.625%
HK$23,437
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,526/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,151
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,840
−HK$700/mo
Today · 4.125%
HK$23,540
baseline
▲ 0.50% · 4.625%
HK$24,972
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,080/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,642
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,303
−HK$671/mo
Today · 4.125%
HK$25,974
baseline
▲ 0.50% · 4.625%
HK$27,343
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,948/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,479
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,365
−HK$900/mo
Today · 4.125%
HK$30,265
baseline
▲ 0.50% · 4.625%
HK$32,107
+HK$1,842/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$60,530/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,683
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,533
−HK$862/mo
Today · 4.125%
HK$33,395
baseline
▲ 0.50% · 4.625%
HK$35,155
+HK$1,760/mo
Deposit HK$694K · loan HK$6.24M · min. income ≈ HK$66,790/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,160 · 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).