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$13,648
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,072
−HK$431/mo
Today · 4.125%
HK$14,503
baseline
▲ 0.50% · 4.625%
HK$15,386
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,006/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,183
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,590
−HK$413/mo
Today · 4.125%
HK$16,003
baseline
▲ 0.50% · 4.625%
HK$16,847
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,006/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,377
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$518/mo
Today · 4.125%
HK$17,404
baseline
▲ 0.50% · 4.625%
HK$18,463
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,808/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,219
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,708
−HK$496/mo
Today · 4.125%
HK$19,204
baseline
▲ 0.50% · 4.625%
HK$20,216
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,408/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,107
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,701
−HK$604/mo
Today · 4.125%
HK$20,305
baseline
▲ 0.50% · 4.625%
HK$21,540
+HK$1,235/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,610/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,256
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,826
−HK$578/mo
Today · 4.125%
HK$22,404
baseline
▲ 0.50% · 4.625%
HK$23,585
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,808/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,566
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,330
−HK$776/mo
Today · 4.125%
HK$26,106
baseline
▲ 0.50% · 4.625%
HK$27,694
+HK$1,588/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,212/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,329
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,062
−HK$743/mo
Today · 4.125%
HK$28,805
baseline
▲ 0.50% · 4.625%
HK$30,324
+HK$1,519/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,610/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,665 · 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).