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$14,709
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,167
−HK$465/mo
Today · 4.125%
HK$15,632
baseline
▲ 0.50% · 4.625%
HK$16,583
+HK$951/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,264/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,364
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,803
−HK$445/mo
Today · 4.125%
HK$17,248
baseline
▲ 0.50% · 4.625%
HK$18,157
+HK$909/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,496/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,651
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,200
−HK$558/mo
Today · 4.125%
HK$18,758
baseline
▲ 0.50% · 4.625%
HK$19,900
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,516/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,637
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,164
−HK$534/mo
Today · 4.125%
HK$20,698
baseline
▲ 0.50% · 4.625%
HK$21,789
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,396/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,593
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,234
−HK$651/mo
Today · 4.125%
HK$21,885
baseline
▲ 0.50% · 4.625%
HK$23,216
+HK$1,331/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,770/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,910
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,524
−HK$623/mo
Today · 4.125%
HK$24,147
baseline
▲ 0.50% · 4.625%
HK$25,420
+HK$1,273/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,294/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,477
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,301
−HK$836/mo
Today · 4.125%
HK$28,137
baseline
▲ 0.50% · 4.625%
HK$29,849
+HK$1,712/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,274/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,455
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,245
−HK$802/mo
Today · 4.125%
HK$31,047
baseline
▲ 0.50% · 4.625%
HK$32,683
+HK$1,636/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,094/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,079 · 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).