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$15,577
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,062
−HK$492/mo
Today · 4.125%
HK$16,554
baseline
▲ 0.50% · 4.625%
HK$17,561
+HK$1,007/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,108/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,329
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,794
−HK$472/mo
Today · 4.125%
HK$18,266
baseline
▲ 0.50% · 4.625%
HK$19,228
+HK$962/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,532/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,692
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,274
−HK$591/mo
Today · 4.125%
HK$19,865
baseline
▲ 0.50% · 4.625%
HK$21,073
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,730/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,795
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,353
−HK$566/mo
Today · 4.125%
HK$21,919
baseline
▲ 0.50% · 4.625%
HK$23,074
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,838/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,808
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,486
−HK$689/mo
Today · 4.125%
HK$23,175
baseline
▲ 0.50% · 4.625%
HK$24,586
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,350/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,261
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,912
−HK$660/mo
Today · 4.125%
HK$25,572
baseline
▲ 0.50% · 4.625%
HK$26,920
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,144/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,039
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,911
−HK$886/mo
Today · 4.125%
HK$29,797
baseline
▲ 0.50% · 4.625%
HK$31,610
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,594/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,193
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,029
−HK$849/mo
Today · 4.125%
HK$32,878
baseline
▲ 0.50% · 4.625%
HK$34,611
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,756/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,939 · 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).