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$14,201
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,643
−HK$449/mo
Today · 4.125%
HK$15,092
baseline
▲ 0.50% · 4.625%
HK$16,010
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,184/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,799
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,222
−HK$430/mo
Today · 4.125%
HK$16,652
baseline
▲ 0.50% · 4.625%
HK$17,530
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,304/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,041
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,571
−HK$539/mo
Today · 4.125%
HK$18,110
baseline
▲ 0.50% · 4.625%
HK$19,212
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,220/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,958
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,467
−HK$516/mo
Today · 4.125%
HK$19,983
baseline
▲ 0.50% · 4.625%
HK$21,036
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,966/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,882
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,500
−HK$628/mo
Today · 4.125%
HK$21,128
baseline
▲ 0.50% · 4.625%
HK$22,414
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,256/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,118
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,711
−HK$602/mo
Today · 4.125%
HK$23,313
baseline
▲ 0.50% · 4.625%
HK$24,542
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,626/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,562
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,357
−HK$808/mo
Today · 4.125%
HK$27,165
baseline
▲ 0.50% · 4.625%
HK$28,818
+HK$1,653/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,330/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,437
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,200
−HK$774/mo
Today · 4.125%
HK$29,974
baseline
▲ 0.50% · 4.625%
HK$31,554
+HK$1,580/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,948/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,786 · 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).