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$15,363
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,841
−HK$486/mo
Today · 4.125%
HK$16,327
baseline
▲ 0.50% · 4.625%
HK$17,320
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,654/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,092
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,550
−HK$465/mo
Today · 4.125%
HK$18,015
baseline
▲ 0.50% · 4.625%
HK$18,965
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,030/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,436
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,010
−HK$582/mo
Today · 4.125%
HK$19,592
baseline
▲ 0.50% · 4.625%
HK$20,784
+HK$1,192/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,184/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,510
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,060
−HK$558/mo
Today · 4.125%
HK$21,618
baseline
▲ 0.50% · 4.625%
HK$22,758
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,236/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,509
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,178
−HK$680/mo
Today · 4.125%
HK$22,858
baseline
▲ 0.50% · 4.625%
HK$24,248
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,716/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,928
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,570
−HK$651/mo
Today · 4.125%
HK$25,221
baseline
▲ 0.50% · 4.625%
HK$26,551
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,442/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,654
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,514
−HK$874/mo
Today · 4.125%
HK$29,388
baseline
▲ 0.50% · 4.625%
HK$31,177
+HK$1,789/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$58,776/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,765
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,590
−HK$837/mo
Today · 4.125%
HK$32,427
baseline
▲ 0.50% · 4.625%
HK$34,136
+HK$1,709/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$64,854/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,129 · 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).