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$13,758
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,186
−HK$435/mo
Today · 4.125%
HK$14,621
baseline
▲ 0.50% · 4.625%
HK$15,511
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,242/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,306
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,717
−HK$416/mo
Today · 4.125%
HK$16,133
baseline
▲ 0.50% · 4.625%
HK$16,983
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,266/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,510
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,024
−HK$521/mo
Today · 4.125%
HK$17,545
baseline
▲ 0.50% · 4.625%
HK$18,613
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,090/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,367
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,860
−HK$500/mo
Today · 4.125%
HK$19,360
baseline
▲ 0.50% · 4.625%
HK$20,380
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,720/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,262
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,861
−HK$609/mo
Today · 4.125%
HK$20,470
baseline
▲ 0.50% · 4.625%
HK$21,715
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,940/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,428
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,003
−HK$583/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,777
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,765
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,535
−HK$783/mo
Today · 4.125%
HK$26,318
baseline
▲ 0.50% · 4.625%
HK$27,919
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,636/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,551
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,290
−HK$749/mo
Today · 4.125%
HK$29,039
baseline
▲ 0.50% · 4.625%
HK$30,570
+HK$1,531/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,078/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,371 · 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).