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$15,917
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,412
−HK$503/mo
Today · 4.125%
HK$16,915
baseline
▲ 0.50% · 4.625%
HK$17,944
+HK$1,029/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$33,830/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,707
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,182
−HK$482/mo
Today · 4.125%
HK$18,664
baseline
▲ 0.50% · 4.625%
HK$19,648
+HK$984/mo
Deposit HK$3.49M · loan HK$3.49M · min. income ≈ HK$37,328/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$209,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,100
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,694
−HK$604/mo
Today · 4.125%
HK$20,298
baseline
▲ 0.50% · 4.625%
HK$21,533
+HK$1,235/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$40,596/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,249
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,819
−HK$578/mo
Today · 4.125%
HK$22,397
baseline
▲ 0.50% · 4.625%
HK$23,577
+HK$1,180/mo
Deposit HK$2.79M · loan HK$4.19M · min. income ≈ HK$44,794/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$209,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,284
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,977
−HK$704/mo
Today · 4.125%
HK$23,681
baseline
▲ 0.50% · 4.625%
HK$25,122
+HK$1,441/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$47,362/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,790
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,455
−HK$675/mo
Today · 4.125%
HK$26,130
baseline
▲ 0.50% · 4.625%
HK$27,507
+HK$1,377/mo
Deposit HK$2.09M · loan HK$4.89M · min. income ≈ HK$52,260/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$209,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,650
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,542
−HK$905/mo
Today · 4.125%
HK$30,447
baseline
▲ 0.50% · 4.625%
HK$32,300
+HK$1,853/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$60,894/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,873
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,728
−HK$867/mo
Today · 4.125%
HK$33,595
baseline
▲ 0.50% · 4.625%
HK$35,366
+HK$1,771/mo
Deposit HK$698K · loan HK$6.28M · min. income ≈ HK$67,190/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$209,409 · 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).