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$13,361
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,777
−HK$422/mo
Today · 4.125%
HK$14,199
baseline
▲ 0.50% · 4.625%
HK$15,063
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,398/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,864
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,263
−HK$404/mo
Today · 4.125%
HK$15,667
baseline
▲ 0.50% · 4.625%
HK$16,493
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,334/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,034
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,532
−HK$507/mo
Today · 4.125%
HK$17,039
baseline
▲ 0.50% · 4.625%
HK$18,076
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,078/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,837
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,316
−HK$485/mo
Today · 4.125%
HK$18,801
baseline
▲ 0.50% · 4.625%
HK$19,792
+HK$991/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,602/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,706
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,288
−HK$591/mo
Today · 4.125%
HK$19,879
baseline
▲ 0.50% · 4.625%
HK$21,089
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,758/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,810
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,368
−HK$566/mo
Today · 4.125%
HK$21,934
baseline
▲ 0.50% · 4.625%
HK$23,091
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,868/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,050
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,799
−HK$760/mo
Today · 4.125%
HK$25,559
baseline
▲ 0.50% · 4.625%
HK$27,114
+HK$1,555/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,118/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,756
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,473
−HK$728/mo
Today · 4.125%
HK$28,201
baseline
▲ 0.50% · 4.625%
HK$29,688
+HK$1,487/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,402/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,841 · 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).