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$13,619
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,043
−HK$430/mo
Today · 4.125%
HK$14,473
baseline
▲ 0.50% · 4.625%
HK$15,354
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,946/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,151
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,557
−HK$413/mo
Today · 4.125%
HK$15,970
baseline
▲ 0.50% · 4.625%
HK$16,811
+HK$841/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,940/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,343
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,851
−HK$517/mo
Today · 4.125%
HK$17,368
baseline
▲ 0.50% · 4.625%
HK$18,425
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,736/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,181
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,669
−HK$495/mo
Today · 4.125%
HK$19,164
baseline
▲ 0.50% · 4.625%
HK$20,174
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,328/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,067
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,660
−HK$602/mo
Today · 4.125%
HK$20,262
baseline
▲ 0.50% · 4.625%
HK$21,495
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,524/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,212
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,780
−HK$577/mo
Today · 4.125%
HK$22,357
baseline
▲ 0.50% · 4.625%
HK$23,536
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,714/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,514
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,277
−HK$775/mo
Today · 4.125%
HK$26,052
baseline
▲ 0.50% · 4.625%
HK$27,637
+HK$1,585/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$52,104/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,272
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,003
−HK$742/mo
Today · 4.125%
HK$28,745
baseline
▲ 0.50% · 4.625%
HK$30,261
+HK$1,516/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$57,490/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,384 · 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).