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$14,618
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,073
−HK$462/mo
Today · 4.125%
HK$15,535
baseline
▲ 0.50% · 4.625%
HK$16,480
+HK$945/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,070/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,262
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,699
−HK$442/mo
Today · 4.125%
HK$17,141
baseline
▲ 0.50% · 4.625%
HK$18,045
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,282/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,542
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,087
−HK$555/mo
Today · 4.125%
HK$18,642
baseline
▲ 0.50% · 4.625%
HK$19,776
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,284/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,515
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,038
−HK$531/mo
Today · 4.125%
HK$20,569
baseline
▲ 0.50% · 4.625%
HK$21,653
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,138/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,465
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,102
−HK$647/mo
Today · 4.125%
HK$21,749
baseline
▲ 0.50% · 4.625%
HK$23,072
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,498/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,767
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,378
−HK$619/mo
Today · 4.125%
HK$23,997
baseline
▲ 0.50% · 4.625%
HK$25,262
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,994/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,312
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,131
−HK$831/mo
Today · 4.125%
HK$27,962
baseline
▲ 0.50% · 4.625%
HK$29,664
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,924/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,272
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,057
−HK$797/mo
Today · 4.125%
HK$30,854
baseline
▲ 0.50% · 4.625%
HK$32,480
+HK$1,626/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,708/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,070 · 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).