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$13,525
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,945
−HK$428/mo
Today · 4.125%
HK$14,373
baseline
▲ 0.50% · 4.625%
HK$15,247
+HK$874/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,746/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,046
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,449
−HK$410/mo
Today · 4.125%
HK$15,859
baseline
▲ 0.50% · 4.625%
HK$16,695
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,718/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,230
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,734
−HK$513/mo
Today · 4.125%
HK$17,247
baseline
▲ 0.50% · 4.625%
HK$18,297
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,494/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,055
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,539
−HK$492/mo
Today · 4.125%
HK$19,031
baseline
▲ 0.50% · 4.625%
HK$20,034
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,062/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,934
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,523
−HK$599/mo
Today · 4.125%
HK$20,122
baseline
▲ 0.50% · 4.625%
HK$21,346
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,244/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,064
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,629
−HK$573/mo
Today · 4.125%
HK$22,202
baseline
▲ 0.50% · 4.625%
HK$23,373
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,404/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,344
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,102
−HK$769/mo
Today · 4.125%
HK$25,871
baseline
▲ 0.50% · 4.625%
HK$27,445
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,742/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,083
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,809
−HK$737/mo
Today · 4.125%
HK$28,546
baseline
▲ 0.50% · 4.625%
HK$30,051
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,092/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,452 · 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).