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$13,564
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,986
−HK$429/mo
Today · 4.125%
HK$14,415
baseline
▲ 0.50% · 4.625%
HK$15,292
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,830/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,090
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,495
−HK$411/mo
Today · 4.125%
HK$15,906
baseline
▲ 0.50% · 4.625%
HK$16,744
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,812/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,277
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,784
−HK$514/mo
Today · 4.125%
HK$17,298
baseline
▲ 0.50% · 4.625%
HK$18,351
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,596/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,108
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,594
−HK$493/mo
Today · 4.125%
HK$19,087
baseline
▲ 0.50% · 4.625%
HK$20,093
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,174/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,990
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,581
−HK$600/mo
Today · 4.125%
HK$20,181
baseline
▲ 0.50% · 4.625%
HK$21,409
+HK$1,228/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,362/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,126
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,693
−HK$575/mo
Today · 4.125%
HK$22,268
baseline
▲ 0.50% · 4.625%
HK$23,441
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,536/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,416
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,175
−HK$772/mo
Today · 4.125%
HK$25,947
baseline
▲ 0.50% · 4.625%
HK$27,526
+HK$1,579/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,894/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,162
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,891
−HK$739/mo
Today · 4.125%
HK$28,630
baseline
▲ 0.50% · 4.625%
HK$30,139
+HK$1,509/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,260/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,844 · 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).