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$14,951
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,416
−HK$472/mo
Today · 4.125%
HK$15,888
baseline
▲ 0.50% · 4.625%
HK$16,855
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,776/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,633
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,079
−HK$452/mo
Today · 4.125%
HK$17,531
baseline
▲ 0.50% · 4.625%
HK$18,455
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,062/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,941
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,499
−HK$567/mo
Today · 4.125%
HK$19,066
baseline
▲ 0.50% · 4.625%
HK$20,226
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,132/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,959
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,494
−HK$543/mo
Today · 4.125%
HK$21,037
baseline
▲ 0.50% · 4.625%
HK$22,146
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,074/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,931
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,582
−HK$662/mo
Today · 4.125%
HK$22,244
baseline
▲ 0.50% · 4.625%
HK$23,597
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,488/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,286
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,910
−HK$634/mo
Today · 4.125%
HK$24,544
baseline
▲ 0.50% · 4.625%
HK$25,837
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,088/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,911
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,748
−HK$851/mo
Today · 4.125%
HK$28,599
baseline
▲ 0.50% · 4.625%
HK$30,339
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,198/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,939
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,741
−HK$815/mo
Today · 4.125%
HK$31,556
baseline
▲ 0.50% · 4.625%
HK$33,219
+HK$1,663/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,112/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,660 · 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).