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$13,292
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,706
−HK$420/mo
Today · 4.125%
HK$14,126
baseline
▲ 0.50% · 4.625%
HK$14,985
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,252/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,788
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,184
−HK$403/mo
Today · 4.125%
HK$15,587
baseline
▲ 0.50% · 4.625%
HK$16,408
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,174/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,951
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,447
−HK$504/mo
Today · 4.125%
HK$16,951
baseline
▲ 0.50% · 4.625%
HK$17,983
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,902/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,745
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,221
−HK$483/mo
Today · 4.125%
HK$18,704
baseline
▲ 0.50% · 4.625%
HK$19,690
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,408/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,609
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,188
−HK$588/mo
Today · 4.125%
HK$19,776
baseline
▲ 0.50% · 4.625%
HK$20,980
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,552/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,703
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,258
−HK$563/mo
Today · 4.125%
HK$21,821
baseline
▲ 0.50% · 4.625%
HK$22,971
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,642/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,926
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,671
−HK$756/mo
Today · 4.125%
HK$25,427
baseline
▲ 0.50% · 4.625%
HK$26,974
+HK$1,547/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,854/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,618
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,332
−HK$724/mo
Today · 4.125%
HK$28,056
baseline
▲ 0.50% · 4.625%
HK$29,535
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,112/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,161 · 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).