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$13,162
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,571
−HK$416/mo
Today · 4.125%
HK$13,987
baseline
▲ 0.50% · 4.625%
HK$14,838
+HK$851/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,974/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,642
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,035
−HK$398/mo
Today · 4.125%
HK$15,433
baseline
▲ 0.50% · 4.625%
HK$16,247
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,866/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,794
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,285
−HK$499/mo
Today · 4.125%
HK$16,784
baseline
▲ 0.50% · 4.625%
HK$17,806
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,568/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,571
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,042
−HK$478/mo
Today · 4.125%
HK$18,520
baseline
▲ 0.50% · 4.625%
HK$19,496
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,040/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,426
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$18,999
−HK$583/mo
Today · 4.125%
HK$19,582
baseline
▲ 0.50% · 4.625%
HK$20,773
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,164/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,499
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,049
−HK$557/mo
Today · 4.125%
HK$21,606
baseline
▲ 0.50% · 4.625%
HK$22,745
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,212/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,691
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,428
−HK$748/mo
Today · 4.125%
HK$25,176
baseline
▲ 0.50% · 4.625%
HK$26,708
+HK$1,532/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,352/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,356
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,063
−HK$717/mo
Today · 4.125%
HK$27,780
baseline
▲ 0.50% · 4.625%
HK$29,244
+HK$1,464/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,560/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,870 · 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).