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$13,751
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,179
−HK$434/mo
Today · 4.125%
HK$14,613
baseline
▲ 0.50% · 4.625%
HK$15,503
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,226/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,298
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,708
−HK$416/mo
Today · 4.125%
HK$16,124
baseline
▲ 0.50% · 4.625%
HK$16,974
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,248/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,501
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,015
−HK$521/mo
Today · 4.125%
HK$17,536
baseline
▲ 0.50% · 4.625%
HK$18,603
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,072/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,357
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,850
−HK$499/mo
Today · 4.125%
HK$19,349
baseline
▲ 0.50% · 4.625%
HK$20,369
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,698/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,251
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,850
−HK$609/mo
Today · 4.125%
HK$20,459
baseline
▲ 0.50% · 4.625%
HK$21,704
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,918/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,417
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,991
−HK$583/mo
Today · 4.125%
HK$22,574
baseline
▲ 0.50% · 4.625%
HK$23,764
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,148/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,752
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,522
−HK$782/mo
Today · 4.125%
HK$26,304
baseline
▲ 0.50% · 4.625%
HK$27,905
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,608/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,536
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,275
−HK$749/mo
Today · 4.125%
HK$29,024
baseline
▲ 0.50% · 4.625%
HK$30,554
+HK$1,530/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,048/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,049 · 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).