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$15,506
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,988
−HK$490/mo
Today · 4.125%
HK$16,478
baseline
▲ 0.50% · 4.625%
HK$17,481
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,956/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$204,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,250
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,713
−HK$469/mo
Today · 4.125%
HK$18,182
baseline
▲ 0.50% · 4.625%
HK$19,140
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,364/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$204,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,607
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,186
−HK$588/mo
Today · 4.125%
HK$19,774
baseline
▲ 0.50% · 4.625%
HK$20,977
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,548/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,700
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,255
−HK$563/mo
Today · 4.125%
HK$21,818
baseline
▲ 0.50% · 4.625%
HK$22,968
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,636/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,708
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,383
−HK$686/mo
Today · 4.125%
HK$23,069
baseline
▲ 0.50% · 4.625%
HK$24,473
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,138/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,150
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,798
−HK$657/mo
Today · 4.125%
HK$25,455
baseline
▲ 0.50% · 4.625%
HK$26,797
+HK$1,342/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,910/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,910
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,779
−HK$882/mo
Today · 4.125%
HK$29,661
baseline
▲ 0.50% · 4.625%
HK$31,465
+HK$1,804/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,322/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,050
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,883
−HK$845/mo
Today · 4.125%
HK$32,728
baseline
▲ 0.50% · 4.625%
HK$34,453
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,456/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,001 · 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).