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$13,839
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,270
−HK$437/mo
Today · 4.125%
HK$14,707
baseline
▲ 0.50% · 4.625%
HK$15,602
+HK$895/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,414/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,396
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,809
−HK$419/mo
Today · 4.125%
HK$16,228
baseline
▲ 0.50% · 4.625%
HK$17,083
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,456/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,607
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,123
−HK$525/mo
Today · 4.125%
HK$17,648
baseline
▲ 0.50% · 4.625%
HK$18,722
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,296/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,475
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,970
−HK$503/mo
Today · 4.125%
HK$19,473
baseline
▲ 0.50% · 4.625%
HK$20,500
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,946/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,375
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,977
−HK$613/mo
Today · 4.125%
HK$20,590
baseline
▲ 0.50% · 4.625%
HK$21,842
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,180/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,554
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,132
−HK$587/mo
Today · 4.125%
HK$22,719
baseline
▲ 0.50% · 4.625%
HK$23,916
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,438/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,910
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,685
−HK$787/mo
Today · 4.125%
HK$26,472
baseline
▲ 0.50% · 4.625%
HK$28,083
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,944/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,712
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,456
−HK$754/mo
Today · 4.125%
HK$29,210
baseline
▲ 0.50% · 4.625%
HK$30,749
+HK$1,539/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,420/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,908 · 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).