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$13,592
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,015
−HK$430/mo
Today · 4.125%
HK$14,445
baseline
▲ 0.50% · 4.625%
HK$15,324
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,890/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,121
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,527
−HK$411/mo
Today · 4.125%
HK$15,938
baseline
▲ 0.50% · 4.625%
HK$16,778
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,876/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,311
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,818
−HK$516/mo
Today · 4.125%
HK$17,334
baseline
▲ 0.50% · 4.625%
HK$18,388
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$34,668/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,146
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,632
−HK$494/mo
Today · 4.125%
HK$19,126
baseline
▲ 0.50% · 4.625%
HK$20,134
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$38,252/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,029
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,621
−HK$602/mo
Today · 4.125%
HK$20,223
baseline
▲ 0.50% · 4.625%
HK$21,453
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,446/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,170
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,738
−HK$576/mo
Today · 4.125%
HK$22,314
baseline
▲ 0.50% · 4.625%
HK$23,490
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,628/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,466
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,227
−HK$774/mo
Today · 4.125%
HK$26,001
baseline
▲ 0.50% · 4.625%
HK$27,583
+HK$1,582/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$52,002/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,219
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,948
−HK$741/mo
Today · 4.125%
HK$28,689
baseline
▲ 0.50% · 4.625%
HK$30,201
+HK$1,512/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,378/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,121 · 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).