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$14,458
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,908
−HK$457/mo
Today · 4.125%
HK$15,365
baseline
▲ 0.50% · 4.625%
HK$16,300
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,730/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,085
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,516
−HK$438/mo
Today · 4.125%
HK$16,954
baseline
▲ 0.50% · 4.625%
HK$17,847
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,908/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,350
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,890
−HK$548/mo
Today · 4.125%
HK$18,438
baseline
▲ 0.50% · 4.625%
HK$19,560
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,876/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,302
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,819
−HK$525/mo
Today · 4.125%
HK$20,344
baseline
▲ 0.50% · 4.625%
HK$21,417
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,688/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,241
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,871
−HK$640/mo
Today · 4.125%
HK$21,511
baseline
▲ 0.50% · 4.625%
HK$22,820
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,022/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,518
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,122
−HK$613/mo
Today · 4.125%
HK$23,735
baseline
▲ 0.50% · 4.625%
HK$24,986
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,470/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,025
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,834
−HK$823/mo
Today · 4.125%
HK$27,657
baseline
▲ 0.50% · 4.625%
HK$29,340
+HK$1,683/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,314/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,952
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,729
−HK$787/mo
Today · 4.125%
HK$30,516
baseline
▲ 0.50% · 4.625%
HK$32,125
+HK$1,609/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,032/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,061 · 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).