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$13,232
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,644
−HK$418/mo
Today · 4.125%
HK$14,062
baseline
▲ 0.50% · 4.625%
HK$14,918
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,124/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,721
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,116
−HK$400/mo
Today · 4.125%
HK$15,516
baseline
▲ 0.50% · 4.625%
HK$16,334
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,032/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,879
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,373
−HK$502/mo
Today · 4.125%
HK$16,875
baseline
▲ 0.50% · 4.625%
HK$17,901
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,750/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,665
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,139
−HK$481/mo
Today · 4.125%
HK$18,620
baseline
▲ 0.50% · 4.625%
HK$19,601
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,240/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,525
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,102
−HK$585/mo
Today · 4.125%
HK$19,687
baseline
▲ 0.50% · 4.625%
HK$20,885
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,374/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,609
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,162
−HK$561/mo
Today · 4.125%
HK$21,723
baseline
▲ 0.50% · 4.625%
HK$22,868
+HK$1,145/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,446/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,818
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,559
−HK$753/mo
Today · 4.125%
HK$25,312
baseline
▲ 0.50% · 4.625%
HK$26,852
+HK$1,540/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,624/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,498
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,208
−HK$721/mo
Today · 4.125%
HK$27,929
baseline
▲ 0.50% · 4.625%
HK$29,401
+HK$1,472/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,858/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,569 · 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).