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$14,326
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,771
−HK$453/mo
Today · 4.125%
HK$15,224
baseline
▲ 0.50% · 4.625%
HK$16,150
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,448/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,937
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,364
−HK$434/mo
Today · 4.125%
HK$16,798
baseline
▲ 0.50% · 4.625%
HK$17,683
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,596/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,191
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,725
−HK$544/mo
Today · 4.125%
HK$18,269
baseline
▲ 0.50% · 4.625%
HK$19,380
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,538/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,124
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,637
−HK$521/mo
Today · 4.125%
HK$20,158
baseline
▲ 0.50% · 4.625%
HK$21,220
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,316/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,056
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,680
−HK$633/mo
Today · 4.125%
HK$21,313
baseline
▲ 0.50% · 4.625%
HK$22,610
+HK$1,297/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,626/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,312
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,910
−HK$607/mo
Today · 4.125%
HK$23,517
baseline
▲ 0.50% · 4.625%
HK$24,757
+HK$1,240/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,034/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,786
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,588
−HK$815/mo
Today · 4.125%
HK$27,403
baseline
▲ 0.50% · 4.625%
HK$29,070
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,806/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,687
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,456
−HK$780/mo
Today · 4.125%
HK$30,236
baseline
▲ 0.50% · 4.625%
HK$31,830
+HK$1,594/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,472/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,242 · 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).