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$13,009
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,413
−HK$411/mo
Today · 4.125%
HK$13,824
baseline
▲ 0.50% · 4.625%
HK$14,665
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,648/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,472
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,860
−HK$394/mo
Today · 4.125%
HK$15,254
baseline
▲ 0.50% · 4.625%
HK$16,058
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,508/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,610
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,096
−HK$493/mo
Today · 4.125%
HK$16,589
baseline
▲ 0.50% · 4.625%
HK$17,599
+HK$1,010/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,178/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,366
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,832
−HK$472/mo
Today · 4.125%
HK$18,304
baseline
▲ 0.50% · 4.625%
HK$19,269
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,608/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,212
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,778
−HK$576/mo
Today · 4.125%
HK$19,354
baseline
▲ 0.50% · 4.625%
HK$20,532
+HK$1,178/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,708/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,261
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,804
−HK$551/mo
Today · 4.125%
HK$21,355
baseline
▲ 0.50% · 4.625%
HK$22,481
+HK$1,126/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,710/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,415
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,144
−HK$740/mo
Today · 4.125%
HK$24,884
baseline
▲ 0.50% · 4.625%
HK$26,398
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,768/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,049
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,748
−HK$709/mo
Today · 4.125%
HK$27,457
baseline
▲ 0.50% · 4.625%
HK$28,904
+HK$1,447/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,914/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,360 · 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).