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$14,644
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,099
−HK$463/mo
Today · 4.125%
HK$15,562
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,124/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,291
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,728
−HK$443/mo
Today · 4.125%
HK$17,171
baseline
▲ 0.50% · 4.625%
HK$18,076
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,342/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,573
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,119
−HK$556/mo
Today · 4.125%
HK$18,675
baseline
▲ 0.50% · 4.625%
HK$19,811
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,350/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,549
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,074
−HK$532/mo
Today · 4.125%
HK$20,606
baseline
▲ 0.50% · 4.625%
HK$21,692
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,212/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,501
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,139
−HK$648/mo
Today · 4.125%
HK$21,787
baseline
▲ 0.50% · 4.625%
HK$23,113
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,574/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,808
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,419
−HK$621/mo
Today · 4.125%
HK$24,040
baseline
▲ 0.50% · 4.625%
HK$25,307
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,080/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,359
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,179
−HK$833/mo
Today · 4.125%
HK$28,012
baseline
▲ 0.50% · 4.625%
HK$29,716
+HK$1,704/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,024/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,324
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,110
−HK$798/mo
Today · 4.125%
HK$30,908
baseline
▲ 0.50% · 4.625%
HK$32,537
+HK$1,629/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,816/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,201 · 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).