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$15,546
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,029
−HK$492/mo
Today · 4.125%
HK$16,521
baseline
▲ 0.50% · 4.625%
HK$17,526
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,042/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,295
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,759
−HK$470/mo
Today · 4.125%
HK$18,229
baseline
▲ 0.50% · 4.625%
HK$19,190
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,458/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,655
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,235
−HK$590/mo
Today · 4.125%
HK$19,825
baseline
▲ 0.50% · 4.625%
HK$21,031
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,650/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,754
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,310
−HK$565/mo
Today · 4.125%
HK$21,875
baseline
▲ 0.50% · 4.625%
HK$23,028
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,750/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,764
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,441
−HK$688/mo
Today · 4.125%
HK$23,129
baseline
▲ 0.50% · 4.625%
HK$24,536
+HK$1,407/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,258/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,862
−HK$659/mo
Today · 4.125%
HK$25,521
baseline
▲ 0.50% · 4.625%
HK$26,866
+HK$1,345/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,042/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,983
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,853
−HK$884/mo
Today · 4.125%
HK$29,737
baseline
▲ 0.50% · 4.625%
HK$31,547
+HK$1,810/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,474/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,130
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,965
−HK$847/mo
Today · 4.125%
HK$32,812
baseline
▲ 0.50% · 4.625%
HK$34,542
+HK$1,730/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,624/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,529 · 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).