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$13,879
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,311
−HK$439/mo
Today · 4.125%
HK$14,750
baseline
▲ 0.50% · 4.625%
HK$15,647
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,500/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,440
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,855
−HK$420/mo
Today · 4.125%
HK$16,275
baseline
▲ 0.50% · 4.625%
HK$17,133
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,550/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,655
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,173
−HK$526/mo
Today · 4.125%
HK$17,699
baseline
▲ 0.50% · 4.625%
HK$18,776
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,398/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,529
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,025
−HK$505/mo
Today · 4.125%
HK$19,530
baseline
▲ 0.50% · 4.625%
HK$20,559
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,060/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,431
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,035
−HK$614/mo
Today · 4.125%
HK$20,649
baseline
▲ 0.50% · 4.625%
HK$21,906
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,298/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,617
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,196
−HK$589/mo
Today · 4.125%
HK$22,785
baseline
▲ 0.50% · 4.625%
HK$23,986
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,570/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,983
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,760
−HK$789/mo
Today · 4.125%
HK$26,549
baseline
▲ 0.50% · 4.625%
HK$28,165
+HK$1,616/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,098/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,793
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,538
−HK$756/mo
Today · 4.125%
HK$29,294
baseline
▲ 0.50% · 4.625%
HK$30,839
+HK$1,545/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,588/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,669 · 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).