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$13,798
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,227
−HK$436/mo
Today · 4.125%
HK$14,663
baseline
▲ 0.50% · 4.625%
HK$15,556
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,326/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,350
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,762
−HK$418/mo
Today · 4.125%
HK$16,180
baseline
▲ 0.50% · 4.625%
HK$17,032
+HK$852/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,360/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,558
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,073
−HK$523/mo
Today · 4.125%
HK$17,596
baseline
▲ 0.50% · 4.625%
HK$18,667
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,192/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,420
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,914
−HK$501/mo
Today · 4.125%
HK$19,415
baseline
▲ 0.50% · 4.625%
HK$20,439
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,830/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,317
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,918
−HK$611/mo
Today · 4.125%
HK$20,529
baseline
▲ 0.50% · 4.625%
HK$21,778
+HK$1,249/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,058/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,490
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,067
−HK$584/mo
Today · 4.125%
HK$22,651
baseline
▲ 0.50% · 4.625%
HK$23,845
+HK$1,194/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,302/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,837
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,609
−HK$785/mo
Today · 4.125%
HK$26,394
baseline
▲ 0.50% · 4.625%
HK$28,000
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,788/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,630
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,371
−HK$752/mo
Today · 4.125%
HK$29,123
baseline
▲ 0.50% · 4.625%
HK$30,658
+HK$1,535/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,246/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,111 · 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).