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$14,116
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,555
−HK$446/mo
Today · 4.125%
HK$15,001
baseline
▲ 0.50% · 4.625%
HK$15,914
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,002/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,704
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,125
−HK$427/mo
Today · 4.125%
HK$16,552
baseline
▲ 0.50% · 4.625%
HK$17,425
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,104/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,939
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,466
−HK$535/mo
Today · 4.125%
HK$18,001
baseline
▲ 0.50% · 4.625%
HK$19,097
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$36,002/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,844
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,350
−HK$513/mo
Today · 4.125%
HK$19,863
baseline
▲ 0.50% · 4.625%
HK$20,910
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,726/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,762
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,377
−HK$624/mo
Today · 4.125%
HK$21,001
baseline
▲ 0.50% · 4.625%
HK$22,279
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$42,002/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,985
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,575
−HK$598/mo
Today · 4.125%
HK$23,173
baseline
▲ 0.50% · 4.625%
HK$24,395
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,346/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,409
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,199
−HK$803/mo
Today · 4.125%
HK$27,002
baseline
▲ 0.50% · 4.625%
HK$28,645
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,004/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,267
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,025
−HK$769/mo
Today · 4.125%
HK$29,794
baseline
▲ 0.50% · 4.625%
HK$31,364
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,588/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,047 · 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).