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$14,718
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,176
−HK$465/mo
Today · 4.125%
HK$15,641
baseline
▲ 0.50% · 4.625%
HK$16,593
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,282/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,374
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,813
−HK$445/mo
Today · 4.125%
HK$17,258
baseline
▲ 0.50% · 4.625%
HK$18,168
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,516/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,662
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,211
−HK$558/mo
Today · 4.125%
HK$18,769
baseline
▲ 0.50% · 4.625%
HK$19,911
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,538/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,649
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,175
−HK$535/mo
Today · 4.125%
HK$20,710
baseline
▲ 0.50% · 4.625%
HK$21,802
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,420/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,605
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,246
−HK$652/mo
Today · 4.125%
HK$21,898
baseline
▲ 0.50% · 4.625%
HK$23,230
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,796/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,923
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,538
−HK$624/mo
Today · 4.125%
HK$24,162
baseline
▲ 0.50% · 4.625%
HK$25,435
+HK$1,273/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,324/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,493
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,317
−HK$837/mo
Today · 4.125%
HK$28,154
baseline
▲ 0.50% · 4.625%
HK$29,867
+HK$1,713/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,308/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,473
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,263
−HK$802/mo
Today · 4.125%
HK$31,065
baseline
▲ 0.50% · 4.625%
HK$32,703
+HK$1,638/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,130/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,459 · 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).