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$15,702
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,190
−HK$496/mo
Today · 4.125%
HK$16,686
baseline
▲ 0.50% · 4.625%
HK$17,702
+HK$1,016/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,372/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,468
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,937
−HK$475/mo
Today · 4.125%
HK$18,412
baseline
▲ 0.50% · 4.625%
HK$19,382
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,824/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,842
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,428
−HK$596/mo
Today · 4.125%
HK$20,024
baseline
▲ 0.50% · 4.625%
HK$21,242
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,048/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,962
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,524
−HK$570/mo
Today · 4.125%
HK$22,094
baseline
▲ 0.50% · 4.625%
HK$23,259
+HK$1,165/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,188/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,982
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,666
−HK$695/mo
Today · 4.125%
HK$23,361
baseline
▲ 0.50% · 4.625%
HK$24,782
+HK$1,421/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,722/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,455
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,111
−HK$666/mo
Today · 4.125%
HK$25,777
baseline
▲ 0.50% · 4.625%
HK$27,135
+HK$1,358/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,554/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,263
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,142
−HK$894/mo
Today · 4.125%
HK$30,036
baseline
▲ 0.50% · 4.625%
HK$31,863
+HK$1,827/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,072/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,442
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,286
−HK$855/mo
Today · 4.125%
HK$33,141
baseline
▲ 0.50% · 4.625%
HK$34,888
+HK$1,747/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,282/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,579 · 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).