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$13,192
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,603
−HK$417/mo
Today · 4.125%
HK$14,020
baseline
▲ 0.50% · 4.625%
HK$14,873
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,040/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,676
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,070
−HK$399/mo
Today · 4.125%
HK$15,469
baseline
▲ 0.50% · 4.625%
HK$16,285
+HK$816/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,938/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,831
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,323
−HK$501/mo
Today · 4.125%
HK$16,824
baseline
▲ 0.50% · 4.625%
HK$17,847
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,648/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,612
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,084
−HK$479/mo
Today · 4.125%
HK$18,563
baseline
▲ 0.50% · 4.625%
HK$19,542
+HK$979/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,126/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,469
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,044
−HK$584/mo
Today · 4.125%
HK$19,628
baseline
▲ 0.50% · 4.625%
HK$20,822
+HK$1,194/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,256/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,547
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$559/mo
Today · 4.125%
HK$21,657
baseline
▲ 0.50% · 4.625%
HK$22,799
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,314/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,746
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,485
−HK$751/mo
Today · 4.125%
HK$25,236
baseline
▲ 0.50% · 4.625%
HK$26,771
+HK$1,535/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,472/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,418
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$719/mo
Today · 4.125%
HK$27,845
baseline
▲ 0.50% · 4.625%
HK$29,313
+HK$1,468/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,690/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,175 · 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).