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$15,696
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,184
−HK$496/mo
Today · 4.125%
HK$16,680
baseline
▲ 0.50% · 4.625%
HK$17,695
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,360/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,462
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,930
−HK$475/mo
Today · 4.125%
HK$18,405
baseline
▲ 0.50% · 4.625%
HK$19,375
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,810/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,835
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,421
−HK$596/mo
Today · 4.125%
HK$20,017
baseline
▲ 0.50% · 4.625%
HK$21,235
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,034/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,954
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,516
−HK$570/mo
Today · 4.125%
HK$22,086
baseline
▲ 0.50% · 4.625%
HK$23,251
+HK$1,165/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,172/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,975
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,658
−HK$695/mo
Today · 4.125%
HK$23,353
baseline
▲ 0.50% · 4.625%
HK$24,774
+HK$1,421/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,706/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,447
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,102
−HK$665/mo
Today · 4.125%
HK$25,767
baseline
▲ 0.50% · 4.625%
HK$27,126
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,534/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,253
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,132
−HK$893/mo
Today · 4.125%
HK$30,025
baseline
▲ 0.50% · 4.625%
HK$31,852
+HK$1,827/mo
Deposit HK$688K · loan HK$6.20M · min. income ≈ HK$60,050/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,431
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,274
−HK$856/mo
Today · 4.125%
HK$33,130
baseline
▲ 0.50% · 4.625%
HK$34,876
+HK$1,746/mo
Deposit HK$688K · loan HK$6.20M · min. income ≈ HK$66,260/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,506 · 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).