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$14,975
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,441
−HK$474/mo
Today · 4.125%
HK$15,915
baseline
▲ 0.50% · 4.625%
HK$16,883
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,830/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,660
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,107
−HK$453/mo
Today · 4.125%
HK$17,560
baseline
▲ 0.50% · 4.625%
HK$18,486
+HK$926/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,120/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,971
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,530
−HK$567/mo
Today · 4.125%
HK$19,097
baseline
▲ 0.50% · 4.625%
HK$20,259
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,194/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,992
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,528
−HK$544/mo
Today · 4.125%
HK$21,072
baseline
▲ 0.50% · 4.625%
HK$22,183
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,144/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,966
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,618
−HK$662/mo
Today · 4.125%
HK$22,280
baseline
▲ 0.50% · 4.625%
HK$23,636
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,560/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,324
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$634/mo
Today · 4.125%
HK$24,584
baseline
▲ 0.50% · 4.625%
HK$25,880
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,168/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,956
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,794
−HK$852/mo
Today · 4.125%
HK$28,646
baseline
▲ 0.50% · 4.625%
HK$30,389
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,292/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,988
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,792
−HK$816/mo
Today · 4.125%
HK$31,608
baseline
▲ 0.50% · 4.625%
HK$33,274
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,216/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,744 · 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).