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$13,250
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,662
−HK$418/mo
Today · 4.125%
HK$14,080
baseline
▲ 0.50% · 4.625%
HK$14,937
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,160/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,740
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,135
−HK$401/mo
Today · 4.125%
HK$15,536
baseline
▲ 0.50% · 4.625%
HK$16,355
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,072/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,900
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,394
−HK$503/mo
Today · 4.125%
HK$16,897
baseline
▲ 0.50% · 4.625%
HK$17,925
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,794/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,688
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,162
−HK$482/mo
Today · 4.125%
HK$18,644
baseline
▲ 0.50% · 4.625%
HK$19,626
+HK$982/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,288/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,549
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,126
−HK$587/mo
Today · 4.125%
HK$19,713
baseline
▲ 0.50% · 4.625%
HK$20,912
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,426/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,636
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,190
−HK$561/mo
Today · 4.125%
HK$21,751
baseline
▲ 0.50% · 4.625%
HK$22,898
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,502/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,849
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,591
−HK$754/mo
Today · 4.125%
HK$25,345
baseline
▲ 0.50% · 4.625%
HK$26,887
+HK$1,542/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,690/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,532
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,244
−HK$722/mo
Today · 4.125%
HK$27,966
baseline
▲ 0.50% · 4.625%
HK$29,440
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,932/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,739 · 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).