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$15,006
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,472
−HK$475/mo
Today · 4.125%
HK$15,947
baseline
▲ 0.50% · 4.625%
HK$16,917
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,894/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,694
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,141
−HK$455/mo
Today · 4.125%
HK$17,596
baseline
▲ 0.50% · 4.625%
HK$18,523
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,192/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,007
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,567
−HK$569/mo
Today · 4.125%
HK$19,136
baseline
▲ 0.50% · 4.625%
HK$20,300
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,272/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,032
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,570
−HK$545/mo
Today · 4.125%
HK$21,115
baseline
▲ 0.50% · 4.625%
HK$22,228
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,230/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,008
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,661
−HK$664/mo
Today · 4.125%
HK$22,325
baseline
▲ 0.50% · 4.625%
HK$23,684
+HK$1,359/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,650/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,371
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,998
−HK$636/mo
Today · 4.125%
HK$24,634
baseline
▲ 0.50% · 4.625%
HK$25,932
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,268/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,010
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,850
−HK$854/mo
Today · 4.125%
HK$28,704
baseline
▲ 0.50% · 4.625%
HK$30,450
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,408/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,049
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,854
−HK$818/mo
Today · 4.125%
HK$31,672
baseline
▲ 0.50% · 4.625%
HK$33,341
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,344/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,068 · 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).