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$13,269
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,681
−HK$420/mo
Today · 4.125%
HK$14,101
baseline
▲ 0.50% · 4.625%
HK$14,959
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,202/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,761
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,157
−HK$402/mo
Today · 4.125%
HK$15,559
baseline
▲ 0.50% · 4.625%
HK$16,379
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,118/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,922
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,418
−HK$503/mo
Today · 4.125%
HK$16,921
baseline
▲ 0.50% · 4.625%
HK$17,950
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,842/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,713
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,188
−HK$482/mo
Today · 4.125%
HK$18,670
baseline
▲ 0.50% · 4.625%
HK$19,655
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,340/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,576
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,154
−HK$587/mo
Today · 4.125%
HK$19,741
baseline
▲ 0.50% · 4.625%
HK$20,942
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,482/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,666
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,220
−HK$562/mo
Today · 4.125%
HK$21,782
baseline
▲ 0.50% · 4.625%
HK$22,930
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,564/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,883
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,626
−HK$755/mo
Today · 4.125%
HK$25,381
baseline
▲ 0.50% · 4.625%
HK$26,926
+HK$1,545/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,762/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,570
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,283
−HK$723/mo
Today · 4.125%
HK$28,006
baseline
▲ 0.50% · 4.625%
HK$29,482
+HK$1,476/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,012/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,926 · 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).