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$13,091
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,498
−HK$413/mo
Today · 4.125%
HK$13,911
baseline
▲ 0.50% · 4.625%
HK$14,758
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,822/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,563
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,954
−HK$396/mo
Today · 4.125%
HK$15,350
baseline
▲ 0.50% · 4.625%
HK$16,159
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,700/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,709
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,197
−HK$497/mo
Today · 4.125%
HK$16,694
baseline
▲ 0.50% · 4.625%
HK$17,709
+HK$1,015/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,388/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,476
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,944
−HK$476/mo
Today · 4.125%
HK$18,420
baseline
▲ 0.50% · 4.625%
HK$19,391
+HK$971/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,840/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,327
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,897
−HK$579/mo
Today · 4.125%
HK$19,476
baseline
▲ 0.50% · 4.625%
HK$20,661
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,952/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,388
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,935
−HK$555/mo
Today · 4.125%
HK$21,490
baseline
▲ 0.50% · 4.625%
HK$22,623
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,980/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,563
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,296
−HK$745/mo
Today · 4.125%
HK$25,041
baseline
▲ 0.50% · 4.625%
HK$26,564
+HK$1,523/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,082/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,214
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,917
−HK$713/mo
Today · 4.125%
HK$27,630
baseline
▲ 0.50% · 4.625%
HK$29,086
+HK$1,456/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,260/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,169 · 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).