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$13,077
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,484
−HK$413/mo
Today · 4.125%
HK$13,897
baseline
▲ 0.50% · 4.625%
HK$14,742
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,794/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,548
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,938
−HK$396/mo
Today · 4.125%
HK$15,334
baseline
▲ 0.50% · 4.625%
HK$16,142
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,668/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,692
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,180
−HK$496/mo
Today · 4.125%
HK$16,676
baseline
▲ 0.50% · 4.625%
HK$17,691
+HK$1,015/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,352/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,457
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,926
−HK$475/mo
Today · 4.125%
HK$18,401
baseline
▲ 0.50% · 4.625%
HK$19,370
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,802/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,308
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,877
−HK$579/mo
Today · 4.125%
HK$19,456
baseline
▲ 0.50% · 4.625%
HK$20,639
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,912/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,367
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,913
−HK$554/mo
Today · 4.125%
HK$21,467
baseline
▲ 0.50% · 4.625%
HK$22,599
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,934/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,538
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,270
−HK$744/mo
Today · 4.125%
HK$25,014
baseline
▲ 0.50% · 4.625%
HK$26,536
+HK$1,522/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,028/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,186
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,888
−HK$713/mo
Today · 4.125%
HK$27,601
baseline
▲ 0.50% · 4.625%
HK$29,056
+HK$1,455/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,202/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,033 · 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).