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$13,522
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,943
−HK$427/mo
Today · 4.125%
HK$14,370
baseline
▲ 0.50% · 4.625%
HK$15,244
+HK$874/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,740/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,043
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,447
−HK$409/mo
Today · 4.125%
HK$15,856
baseline
▲ 0.50% · 4.625%
HK$16,692
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,712/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,227
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,731
−HK$513/mo
Today · 4.125%
HK$17,244
baseline
▲ 0.50% · 4.625%
HK$18,293
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,488/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,052
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,536
−HK$491/mo
Today · 4.125%
HK$19,027
baseline
▲ 0.50% · 4.625%
HK$20,030
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,054/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,931
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,520
−HK$598/mo
Today · 4.125%
HK$20,118
baseline
▲ 0.50% · 4.625%
HK$21,342
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,236/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,061
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,625
−HK$573/mo
Today · 4.125%
HK$22,198
baseline
▲ 0.50% · 4.625%
HK$23,368
+HK$1,170/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,396/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,340
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,097
−HK$769/mo
Today · 4.125%
HK$25,866
baseline
▲ 0.50% · 4.625%
HK$27,440
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,732/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,078
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,804
−HK$737/mo
Today · 4.125%
HK$28,541
baseline
▲ 0.50% · 4.625%
HK$30,045
+HK$1,504/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,082/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,427 · 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).