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$14,284
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,728
−HK$452/mo
Today · 4.125%
HK$15,180
baseline
▲ 0.50% · 4.625%
HK$16,103
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,360/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,891
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,317
−HK$432/mo
Today · 4.125%
HK$16,749
baseline
▲ 0.50% · 4.625%
HK$17,632
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,498/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,141
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,674
−HK$541/mo
Today · 4.125%
HK$18,215
baseline
▲ 0.50% · 4.625%
HK$19,324
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,430/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,069
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,580
−HK$519/mo
Today · 4.125%
HK$20,099
baseline
▲ 0.50% · 4.625%
HK$21,158
+HK$1,059/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,198/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,997
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,619
−HK$632/mo
Today · 4.125%
HK$21,251
baseline
▲ 0.50% · 4.625%
HK$22,544
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,502/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,247
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,844
−HK$605/mo
Today · 4.125%
HK$23,449
baseline
▲ 0.50% · 4.625%
HK$24,685
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,898/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,711
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,511
−HK$812/mo
Today · 4.125%
HK$27,323
baseline
▲ 0.50% · 4.625%
HK$28,986
+HK$1,663/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,646/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,603
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,370
−HK$778/mo
Today · 4.125%
HK$30,148
baseline
▲ 0.50% · 4.625%
HK$31,738
+HK$1,590/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,296/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,414 · 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).