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$13,508
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,929
−HK$426/mo
Today · 4.125%
HK$14,355
baseline
▲ 0.50% · 4.625%
HK$15,229
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,710/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,028
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,431
−HK$409/mo
Today · 4.125%
HK$15,840
baseline
▲ 0.50% · 4.625%
HK$16,675
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,680/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,210
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,714
−HK$512/mo
Today · 4.125%
HK$17,226
baseline
▲ 0.50% · 4.625%
HK$18,275
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,452/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,033
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,517
−HK$491/mo
Today · 4.125%
HK$19,008
baseline
▲ 0.50% · 4.625%
HK$20,010
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$38,016/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,912
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,500
−HK$598/mo
Today · 4.125%
HK$20,098
baseline
▲ 0.50% · 4.625%
HK$21,320
+HK$1,222/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,196/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,039
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,603
−HK$573/mo
Today · 4.125%
HK$22,176
baseline
▲ 0.50% · 4.625%
HK$23,345
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,352/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,315
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,071
−HK$769/mo
Today · 4.125%
HK$25,840
baseline
▲ 0.50% · 4.625%
HK$27,412
+HK$1,572/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,680/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,050
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,776
−HK$736/mo
Today · 4.125%
HK$28,512
baseline
▲ 0.50% · 4.625%
HK$30,014
+HK$1,502/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$57,024/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,291 · 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).