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$13,788
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,217
−HK$436/mo
Today · 4.125%
HK$14,653
baseline
▲ 0.50% · 4.625%
HK$15,545
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,306/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,340
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,751
−HK$417/mo
Today · 4.125%
HK$16,168
baseline
▲ 0.50% · 4.625%
HK$17,021
+HK$853/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,336/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,546
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,061
−HK$523/mo
Today · 4.125%
HK$17,584
baseline
▲ 0.50% · 4.625%
HK$18,654
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,168/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,407
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,901
−HK$501/mo
Today · 4.125%
HK$19,402
baseline
▲ 0.50% · 4.625%
HK$20,425
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,804/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,304
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,904
−HK$610/mo
Today · 4.125%
HK$20,514
baseline
▲ 0.50% · 4.625%
HK$21,763
+HK$1,249/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,028/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,475
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,051
−HK$585/mo
Today · 4.125%
HK$22,636
baseline
▲ 0.50% · 4.625%
HK$23,829
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,272/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,819
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,591
−HK$785/mo
Today · 4.125%
HK$26,376
baseline
▲ 0.50% · 4.625%
HK$27,980
+HK$1,604/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,752/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,611
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,352
−HK$751/mo
Today · 4.125%
HK$29,103
baseline
▲ 0.50% · 4.625%
HK$30,637
+HK$1,534/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,206/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,689 · 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).