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$15,647
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,134
−HK$495/mo
Today · 4.125%
HK$16,629
baseline
▲ 0.50% · 4.625%
HK$17,640
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,258/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,408
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,874
−HK$474/mo
Today · 4.125%
HK$18,348
baseline
▲ 0.50% · 4.625%
HK$19,315
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,696/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,777
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,361
−HK$593/mo
Today · 4.125%
HK$19,954
baseline
▲ 0.50% · 4.625%
HK$21,169
+HK$1,215/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,908/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,889
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,449
−HK$569/mo
Today · 4.125%
HK$22,018
baseline
▲ 0.50% · 4.625%
HK$23,178
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,036/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,906
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,588
−HK$692/mo
Today · 4.125%
HK$23,280
baseline
▲ 0.50% · 4.625%
HK$24,697
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,560/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,371
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,024
−HK$663/mo
Today · 4.125%
HK$25,687
baseline
▲ 0.50% · 4.625%
HK$27,041
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,374/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,165
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,041
−HK$891/mo
Today · 4.125%
HK$29,932
baseline
▲ 0.50% · 4.625%
HK$31,753
+HK$1,821/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,864/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,334
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,174
−HK$853/mo
Today · 4.125%
HK$33,027
baseline
▲ 0.50% · 4.625%
HK$34,767
+HK$1,740/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,054/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,864 · 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).