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$15,321
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,797
−HK$484/mo
Today · 4.125%
HK$16,281
baseline
▲ 0.50% · 4.625%
HK$17,272
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,562/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,044
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,501
−HK$464/mo
Today · 4.125%
HK$17,965
baseline
▲ 0.50% · 4.625%
HK$18,912
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,930/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,385
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,956
−HK$581/mo
Today · 4.125%
HK$19,537
baseline
▲ 0.50% · 4.625%
HK$20,726
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,074/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,453
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,001
−HK$557/mo
Today · 4.125%
HK$21,558
baseline
▲ 0.50% · 4.625%
HK$22,694
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,116/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,449
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,116
−HK$678/mo
Today · 4.125%
HK$22,794
baseline
▲ 0.50% · 4.625%
HK$24,181
+HK$1,387/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,588/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,861
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,501
−HK$650/mo
Today · 4.125%
HK$25,151
baseline
▲ 0.50% · 4.625%
HK$26,476
+HK$1,325/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,302/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,577
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,435
−HK$871/mo
Today · 4.125%
HK$29,306
baseline
▲ 0.50% · 4.625%
HK$31,089
+HK$1,783/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,612/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,679
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,502
−HK$835/mo
Today · 4.125%
HK$32,337
baseline
▲ 0.50% · 4.625%
HK$34,041
+HK$1,704/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,674/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,563 · 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).