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$15,656
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,143
−HK$495/mo
Today · 4.125%
HK$16,638
baseline
▲ 0.50% · 4.625%
HK$17,650
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,276/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,417
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,884
−HK$474/mo
Today · 4.125%
HK$18,358
baseline
▲ 0.50% · 4.625%
HK$19,326
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,716/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,787
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,372
−HK$593/mo
Today · 4.125%
HK$19,965
baseline
▲ 0.50% · 4.625%
HK$21,180
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,930/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,901
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,461
−HK$569/mo
Today · 4.125%
HK$22,030
baseline
▲ 0.50% · 4.625%
HK$23,191
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,060/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,919
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,600
−HK$693/mo
Today · 4.125%
HK$23,293
baseline
▲ 0.50% · 4.625%
HK$24,710
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,586/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,384
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$664/mo
Today · 4.125%
HK$25,702
baseline
▲ 0.50% · 4.625%
HK$27,056
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,404/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,181
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,058
−HK$890/mo
Today · 4.125%
HK$29,948
baseline
▲ 0.50% · 4.625%
HK$31,770
+HK$1,822/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,896/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$205,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,351
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,192
−HK$853/mo
Today · 4.125%
HK$33,045
baseline
▲ 0.50% · 4.625%
HK$34,787
+HK$1,742/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,090/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$205,978 · 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).