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$14,542
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,994
−HK$460/mo
Today · 4.125%
HK$15,454
baseline
▲ 0.50% · 4.625%
HK$16,394
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,908/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,178
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,612
−HK$440/mo
Today · 4.125%
HK$17,052
baseline
▲ 0.50% · 4.625%
HK$17,951
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,104/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,451
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,993
−HK$552/mo
Today · 4.125%
HK$18,545
baseline
▲ 0.50% · 4.625%
HK$19,673
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,090/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,414
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,934
−HK$528/mo
Today · 4.125%
HK$20,462
baseline
▲ 0.50% · 4.625%
HK$21,541
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,924/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,359
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,992
−HK$644/mo
Today · 4.125%
HK$21,636
baseline
▲ 0.50% · 4.625%
HK$22,952
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,272/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,649
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,257
−HK$616/mo
Today · 4.125%
HK$23,873
baseline
▲ 0.50% · 4.625%
HK$25,131
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,746/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,176
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,990
−HK$827/mo
Today · 4.125%
HK$27,817
baseline
▲ 0.50% · 4.625%
HK$29,510
+HK$1,693/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,634/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,120
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,901
−HK$793/mo
Today · 4.125%
HK$30,694
baseline
▲ 0.50% · 4.625%
HK$32,312
+HK$1,618/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,388/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,741 · 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).