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$15,814
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,305
−HK$500/mo
Today · 4.125%
HK$16,805
baseline
▲ 0.50% · 4.625%
HK$17,828
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,610/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,592
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,064
−HK$479/mo
Today · 4.125%
HK$18,543
baseline
▲ 0.50% · 4.625%
HK$19,520
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,086/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,976
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$599/mo
Today · 4.125%
HK$20,166
baseline
▲ 0.50% · 4.625%
HK$21,393
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,332/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,111
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,677
−HK$574/mo
Today · 4.125%
HK$22,251
baseline
▲ 0.50% · 4.625%
HK$23,424
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,502/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,139
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,828
−HK$699/mo
Today · 4.125%
HK$23,527
baseline
▲ 0.50% · 4.625%
HK$24,959
+HK$1,432/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,054/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,629
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,290
−HK$670/mo
Today · 4.125%
HK$25,960
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,920/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,464
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,350
−HK$899/mo
Today · 4.125%
HK$30,249
baseline
▲ 0.50% · 4.625%
HK$32,090
+HK$1,841/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,498/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,666
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,516
−HK$861/mo
Today · 4.125%
HK$33,377
baseline
▲ 0.50% · 4.625%
HK$35,137
+HK$1,760/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,754/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,050 · 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).