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$14,021
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,457
−HK$443/mo
Today · 4.125%
HK$14,900
baseline
▲ 0.50% · 4.625%
HK$15,807
+HK$907/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,800/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,598
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,016
−HK$425/mo
Today · 4.125%
HK$16,441
baseline
▲ 0.50% · 4.625%
HK$17,307
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,882/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,825
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,348
−HK$532/mo
Today · 4.125%
HK$17,880
baseline
▲ 0.50% · 4.625%
HK$18,968
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,760/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,718
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,220
−HK$509/mo
Today · 4.125%
HK$19,729
baseline
▲ 0.50% · 4.625%
HK$20,769
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,458/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,629
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,240
−HK$620/mo
Today · 4.125%
HK$20,860
baseline
▲ 0.50% · 4.625%
HK$22,130
+HK$1,270/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,720/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,837
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,423
−HK$594/mo
Today · 4.125%
HK$23,017
baseline
▲ 0.50% · 4.625%
HK$24,230
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,034/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,238
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,023
−HK$797/mo
Today · 4.125%
HK$26,820
baseline
▲ 0.50% · 4.625%
HK$28,452
+HK$1,632/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,640/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,077
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,830
−HK$764/mo
Today · 4.125%
HK$29,594
baseline
▲ 0.50% · 4.625%
HK$31,153
+HK$1,559/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,188/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$149,885 · 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).