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$14,203
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,644
−HK$449/mo
Today · 4.125%
HK$15,093
baseline
▲ 0.50% · 4.625%
HK$16,012
+HK$919/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,186/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,800
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,224
−HK$430/mo
Today · 4.125%
HK$16,654
baseline
▲ 0.50% · 4.625%
HK$17,532
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,308/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,043
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,573
−HK$539/mo
Today · 4.125%
HK$18,112
baseline
▲ 0.50% · 4.625%
HK$19,214
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,224/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,960
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,469
−HK$516/mo
Today · 4.125%
HK$19,985
baseline
▲ 0.50% · 4.625%
HK$21,038
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,970/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,884
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,502
−HK$629/mo
Today · 4.125%
HK$21,131
baseline
▲ 0.50% · 4.625%
HK$22,416
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,262/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,120
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,714
−HK$602/mo
Today · 4.125%
HK$23,316
baseline
▲ 0.50% · 4.625%
HK$24,545
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,632/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,565
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,360
−HK$808/mo
Today · 4.125%
HK$27,168
baseline
▲ 0.50% · 4.625%
HK$28,821
+HK$1,653/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,336/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,441
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,203
−HK$774/mo
Today · 4.125%
HK$29,977
baseline
▲ 0.50% · 4.625%
HK$31,557
+HK$1,580/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,954/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,854 · 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).