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$15,574
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,058
−HK$493/mo
Today · 4.125%
HK$16,551
baseline
▲ 0.50% · 4.625%
HK$17,558
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,102/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,326
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,790
−HK$472/mo
Today · 4.125%
HK$18,262
baseline
▲ 0.50% · 4.625%
HK$19,224
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,524/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,689
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,270
−HK$591/mo
Today · 4.125%
HK$19,861
baseline
▲ 0.50% · 4.625%
HK$21,069
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,722/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,791
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,349
−HK$565/mo
Today · 4.125%
HK$21,914
baseline
▲ 0.50% · 4.625%
HK$23,069
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,828/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,803
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,482
−HK$689/mo
Today · 4.125%
HK$23,171
baseline
▲ 0.50% · 4.625%
HK$24,581
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,342/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,256
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,907
−HK$660/mo
Today · 4.125%
HK$25,567
baseline
▲ 0.50% · 4.625%
HK$26,914
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,134/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,033
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,905
−HK$886/mo
Today · 4.125%
HK$29,791
baseline
▲ 0.50% · 4.625%
HK$31,604
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,582/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,186
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,023
−HK$848/mo
Today · 4.125%
HK$32,871
baseline
▲ 0.50% · 4.625%
HK$34,604
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,742/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,897 · 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).