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$15,563
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,047
−HK$492/mo
Today · 4.125%
HK$16,539
baseline
▲ 0.50% · 4.625%
HK$17,545
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,078/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,314
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,778
−HK$471/mo
Today · 4.125%
HK$18,249
baseline
▲ 0.50% · 4.625%
HK$19,211
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,498/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,676
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,257
−HK$590/mo
Today · 4.125%
HK$19,847
baseline
▲ 0.50% · 4.625%
HK$21,054
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,694/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,777
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,334
−HK$565/mo
Today · 4.125%
HK$21,899
baseline
▲ 0.50% · 4.625%
HK$23,053
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,798/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,788
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,466
−HK$689/mo
Today · 4.125%
HK$23,155
baseline
▲ 0.50% · 4.625%
HK$24,564
+HK$1,409/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,310/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,239
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,889
−HK$660/mo
Today · 4.125%
HK$25,549
baseline
▲ 0.50% · 4.625%
HK$26,896
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,098/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,014
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,885
−HK$885/mo
Today · 4.125%
HK$29,770
baseline
▲ 0.50% · 4.625%
HK$31,582
+HK$1,812/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$59,540/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,165
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,001
−HK$848/mo
Today · 4.125%
HK$32,849
baseline
▲ 0.50% · 4.625%
HK$34,580
+HK$1,731/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$65,698/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,755 · 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).