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$15,632
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,118
−HK$494/mo
Today · 4.125%
HK$16,612
baseline
▲ 0.50% · 4.625%
HK$17,623
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,224/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,390
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,856
−HK$474/mo
Today · 4.125%
HK$18,330
baseline
▲ 0.50% · 4.625%
HK$19,296
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,660/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,758
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,341
−HK$593/mo
Today · 4.125%
HK$19,934
baseline
▲ 0.50% · 4.625%
HK$21,147
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,868/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,868
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,428
−HK$567/mo
Today · 4.125%
HK$21,995
baseline
▲ 0.50% · 4.625%
HK$23,155
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,990/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,884
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,565
−HK$692/mo
Today · 4.125%
HK$23,257
baseline
▲ 0.50% · 4.625%
HK$24,672
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,514/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,346
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,999
−HK$662/mo
Today · 4.125%
HK$25,661
baseline
▲ 0.50% · 4.625%
HK$27,014
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,322/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,137
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,012
−HK$889/mo
Today · 4.125%
HK$29,901
baseline
▲ 0.50% · 4.625%
HK$31,721
+HK$1,820/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,802/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,302
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,142
−HK$851/mo
Today · 4.125%
HK$32,993
baseline
▲ 0.50% · 4.625%
HK$34,732
+HK$1,739/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$65,986/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,657 · 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).