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$13,945
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,379
−HK$440/mo
Today · 4.125%
HK$14,819
baseline
▲ 0.50% · 4.625%
HK$15,721
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,638/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,514
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,930
−HK$422/mo
Today · 4.125%
HK$16,352
baseline
▲ 0.50% · 4.625%
HK$17,214
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,704/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,734
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,254
−HK$529/mo
Today · 4.125%
HK$17,783
baseline
▲ 0.50% · 4.625%
HK$18,865
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,566/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,616
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,116
−HK$506/mo
Today · 4.125%
HK$19,622
baseline
▲ 0.50% · 4.625%
HK$20,656
+HK$1,034/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,244/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,523
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,130
−HK$617/mo
Today · 4.125%
HK$20,747
baseline
▲ 0.50% · 4.625%
HK$22,010
+HK$1,263/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,494/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,719
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,301
−HK$591/mo
Today · 4.125%
HK$22,892
baseline
▲ 0.50% · 4.625%
HK$24,099
+HK$1,207/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,784/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,101
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,882
−HK$793/mo
Today · 4.125%
HK$26,675
baseline
▲ 0.50% · 4.625%
HK$28,298
+HK$1,623/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$53,350/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,924
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,673
−HK$760/mo
Today · 4.125%
HK$29,433
baseline
▲ 0.50% · 4.625%
HK$30,985
+HK$1,552/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$58,866/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,550 · 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).