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$13,489
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,908
−HK$427/mo
Today · 4.125%
HK$14,335
baseline
▲ 0.50% · 4.625%
HK$15,207
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,670/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,006
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,408
−HK$409/mo
Today · 4.125%
HK$15,817
baseline
▲ 0.50% · 4.625%
HK$16,650
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,634/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,186
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,690
−HK$511/mo
Today · 4.125%
HK$17,201
baseline
▲ 0.50% · 4.625%
HK$18,248
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,402/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,007
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,490
−HK$490/mo
Today · 4.125%
HK$18,980
baseline
▲ 0.50% · 4.625%
HK$19,981
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,960/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,884
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,472
−HK$596/mo
Today · 4.125%
HK$20,068
baseline
▲ 0.50% · 4.625%
HK$21,289
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,136/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,008
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,572
−HK$571/mo
Today · 4.125%
HK$22,143
baseline
▲ 0.50% · 4.625%
HK$23,311
+HK$1,168/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,286/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,280
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,035
−HK$767/mo
Today · 4.125%
HK$25,802
baseline
▲ 0.50% · 4.625%
HK$27,372
+HK$1,570/mo
Deposit HK$592K · loan HK$5.32M · min. income ≈ HK$51,604/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,011
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,735
−HK$735/mo
Today · 4.125%
HK$28,470
baseline
▲ 0.50% · 4.625%
HK$29,971
+HK$1,501/mo
Deposit HK$592K · loan HK$5.32M · min. income ≈ HK$56,940/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,097 · 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).