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$14,480
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,931
−HK$457/mo
Today · 4.125%
HK$15,388
baseline
▲ 0.50% · 4.625%
HK$16,325
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,776/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,109
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,541
−HK$439/mo
Today · 4.125%
HK$16,980
baseline
▲ 0.50% · 4.625%
HK$17,875
+HK$895/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,960/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,377
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,917
−HK$549/mo
Today · 4.125%
HK$18,466
baseline
▲ 0.50% · 4.625%
HK$19,590
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,932/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,331
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,850
−HK$526/mo
Today · 4.125%
HK$20,376
baseline
▲ 0.50% · 4.625%
HK$21,450
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,752/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,273
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,903
−HK$641/mo
Today · 4.125%
HK$21,544
baseline
▲ 0.50% · 4.625%
HK$22,855
+HK$1,311/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,088/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,553
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,158
−HK$614/mo
Today · 4.125%
HK$23,772
baseline
▲ 0.50% · 4.625%
HK$25,025
+HK$1,253/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,544/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,065
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,876
−HK$823/mo
Today · 4.125%
HK$27,699
baseline
▲ 0.50% · 4.625%
HK$29,385
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,398/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,997
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,774
−HK$789/mo
Today · 4.125%
HK$30,563
baseline
▲ 0.50% · 4.625%
HK$32,174
+HK$1,611/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,126/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,035 · 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).