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$13,716
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,143
−HK$434/mo
Today · 4.125%
HK$14,577
baseline
▲ 0.50% · 4.625%
HK$15,464
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,154/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,259
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,669
−HK$415/mo
Today · 4.125%
HK$16,084
baseline
▲ 0.50% · 4.625%
HK$16,932
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,168/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,460
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,972
−HK$520/mo
Today · 4.125%
HK$17,492
baseline
▲ 0.50% · 4.625%
HK$18,556
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,984/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,311
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,802
−HK$499/mo
Today · 4.125%
HK$19,301
baseline
▲ 0.50% · 4.625%
HK$20,318
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,602/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,203
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,800
−HK$607/mo
Today · 4.125%
HK$20,407
baseline
▲ 0.50% · 4.625%
HK$21,649
+HK$1,242/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,814/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,363
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,936
−HK$581/mo
Today · 4.125%
HK$22,517
baseline
▲ 0.50% · 4.625%
HK$23,704
+HK$1,187/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,034/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,690
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,458
−HK$780/mo
Today · 4.125%
HK$26,238
baseline
▲ 0.50% · 4.625%
HK$27,834
+HK$1,596/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$52,476/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,467
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,204
−HK$747/mo
Today · 4.125%
HK$28,951
baseline
▲ 0.50% · 4.625%
HK$30,477
+HK$1,526/mo
Deposit HK$602K · loan HK$5.41M · min. income ≈ HK$57,902/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,530 · 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).