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$14,530
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,981
−HK$460/mo
Today · 4.125%
HK$15,441
baseline
▲ 0.50% · 4.625%
HK$16,380
+HK$939/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,882/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,164
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,597
−HK$440/mo
Today · 4.125%
HK$17,037
baseline
▲ 0.50% · 4.625%
HK$17,935
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,074/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,435
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,978
−HK$551/mo
Today · 4.125%
HK$18,529
baseline
▲ 0.50% · 4.625%
HK$19,656
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,058/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,397
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,917
−HK$528/mo
Today · 4.125%
HK$20,445
baseline
▲ 0.50% · 4.625%
HK$21,522
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,890/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,341
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,974
−HK$643/mo
Today · 4.125%
HK$21,617
baseline
▲ 0.50% · 4.625%
HK$22,932
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,234/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,630
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,236
−HK$616/mo
Today · 4.125%
HK$23,852
baseline
▲ 0.50% · 4.625%
HK$25,109
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,704/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,153
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$826/mo
Today · 4.125%
HK$27,793
baseline
▲ 0.50% · 4.625%
HK$29,484
+HK$1,691/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,586/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,095
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,875
−HK$792/mo
Today · 4.125%
HK$30,667
baseline
▲ 0.50% · 4.625%
HK$32,284
+HK$1,617/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,334/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,189 · 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).