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$15,564
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,048
−HK$492/mo
Today · 4.125%
HK$16,540
baseline
▲ 0.50% · 4.625%
HK$17,546
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,080/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,315
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,779
−HK$471/mo
Today · 4.125%
HK$18,250
baseline
▲ 0.50% · 4.625%
HK$19,212
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,500/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,677
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,258
−HK$590/mo
Today · 4.125%
HK$19,848
baseline
▲ 0.50% · 4.625%
HK$21,056
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,696/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,778
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,335
−HK$565/mo
Today · 4.125%
HK$21,900
baseline
▲ 0.50% · 4.625%
HK$23,055
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,800/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,789
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,467
−HK$689/mo
Today · 4.125%
HK$23,156
baseline
▲ 0.50% · 4.625%
HK$24,565
+HK$1,409/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,312/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,241
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,891
−HK$659/mo
Today · 4.125%
HK$25,550
baseline
▲ 0.50% · 4.625%
HK$26,897
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,100/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,015
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,886
−HK$886/mo
Today · 4.125%
HK$29,772
baseline
▲ 0.50% · 4.625%
HK$31,583
+HK$1,811/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$59,544/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,166
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,002
−HK$848/mo
Today · 4.125%
HK$32,850
baseline
▲ 0.50% · 4.625%
HK$34,582
+HK$1,732/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$65,700/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,765 · 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).