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$14,934
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,399
−HK$472/mo
Today · 4.125%
HK$15,871
baseline
▲ 0.50% · 4.625%
HK$16,836
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,742/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,614
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,060
−HK$452/mo
Today · 4.125%
HK$17,512
baseline
▲ 0.50% · 4.625%
HK$18,435
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,024/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,921
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,479
−HK$566/mo
Today · 4.125%
HK$19,045
baseline
▲ 0.50% · 4.625%
HK$20,204
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,090/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,937
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,472
−HK$542/mo
Today · 4.125%
HK$21,014
baseline
▲ 0.50% · 4.625%
HK$22,122
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,028/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,908
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,558
−HK$661/mo
Today · 4.125%
HK$22,219
baseline
▲ 0.50% · 4.625%
HK$23,571
+HK$1,352/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,438/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,260
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,884
−HK$633/mo
Today · 4.125%
HK$24,517
baseline
▲ 0.50% · 4.625%
HK$25,809
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,034/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,882
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,718
−HK$849/mo
Today · 4.125%
HK$28,567
baseline
▲ 0.50% · 4.625%
HK$30,306
+HK$1,739/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,134/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,906
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,708
−HK$813/mo
Today · 4.125%
HK$31,521
baseline
▲ 0.50% · 4.625%
HK$33,183
+HK$1,662/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,042/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,937 · 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).