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$13,477
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,896
−HK$426/mo
Today · 4.125%
HK$14,322
baseline
▲ 0.50% · 4.625%
HK$15,194
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,644/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,993
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,395
−HK$408/mo
Today · 4.125%
HK$15,803
baseline
▲ 0.50% · 4.625%
HK$16,636
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,606/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,172
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,675
−HK$512/mo
Today · 4.125%
HK$17,187
baseline
▲ 0.50% · 4.625%
HK$18,232
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$34,374/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,992
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,474
−HK$490/mo
Today · 4.125%
HK$18,964
baseline
▲ 0.50% · 4.625%
HK$19,963
+HK$999/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$37,928/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,868
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,455
−HK$596/mo
Today · 4.125%
HK$20,051
baseline
▲ 0.50% · 4.625%
HK$21,271
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,102/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,990
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,553
−HK$571/mo
Today · 4.125%
HK$22,124
baseline
▲ 0.50% · 4.625%
HK$23,290
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,248/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,259
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,013
−HK$767/mo
Today · 4.125%
HK$25,780
baseline
▲ 0.50% · 4.625%
HK$27,348
+HK$1,568/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,560/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,987
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,711
−HK$734/mo
Today · 4.125%
HK$28,445
baseline
▲ 0.50% · 4.625%
HK$29,945
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,890/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,982 · 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).