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$14,861
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,323
−HK$470/mo
Today · 4.125%
HK$15,793
baseline
▲ 0.50% · 4.625%
HK$16,753
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,586/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,532
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,976
−HK$450/mo
Today · 4.125%
HK$17,426
baseline
▲ 0.50% · 4.625%
HK$18,344
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,852/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,833
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,387
−HK$564/mo
Today · 4.125%
HK$18,951
baseline
▲ 0.50% · 4.625%
HK$20,104
+HK$1,153/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,902/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,839
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,371
−HK$540/mo
Today · 4.125%
HK$20,911
baseline
▲ 0.50% · 4.625%
HK$22,013
+HK$1,102/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,822/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,805
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,452
−HK$658/mo
Today · 4.125%
HK$22,110
baseline
▲ 0.50% · 4.625%
HK$23,455
+HK$1,345/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,220/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,145
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,766
−HK$630/mo
Today · 4.125%
HK$24,396
baseline
▲ 0.50% · 4.625%
HK$25,682
+HK$1,286/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,792/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,749
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,581
−HK$846/mo
Today · 4.125%
HK$28,427
baseline
▲ 0.50% · 4.625%
HK$30,156
+HK$1,729/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,854/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,758
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,556
−HK$810/mo
Today · 4.125%
HK$31,366
baseline
▲ 0.50% · 4.625%
HK$33,019
+HK$1,653/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,732/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$186,710 · 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).