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$13,514
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,934
−HK$427/mo
Today · 4.125%
HK$14,361
baseline
▲ 0.50% · 4.625%
HK$15,235
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,722/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,034
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,437
−HK$409/mo
Today · 4.125%
HK$15,846
baseline
▲ 0.50% · 4.625%
HK$16,682
+HK$836/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,692/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,217
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,721
−HK$513/mo
Today · 4.125%
HK$17,234
baseline
▲ 0.50% · 4.625%
HK$18,282
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,468/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,041
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,525
−HK$491/mo
Today · 4.125%
HK$19,016
baseline
▲ 0.50% · 4.625%
HK$20,018
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,032/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,919
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,508
−HK$598/mo
Today · 4.125%
HK$20,106
baseline
▲ 0.50% · 4.625%
HK$21,329
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,212/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,048
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,612
−HK$573/mo
Today · 4.125%
HK$22,185
baseline
▲ 0.50% · 4.625%
HK$23,354
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,370/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,325
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,082
−HK$768/mo
Today · 4.125%
HK$25,850
baseline
▲ 0.50% · 4.625%
HK$27,423
+HK$1,573/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$51,700/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,061
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,787
−HK$736/mo
Today · 4.125%
HK$28,523
baseline
▲ 0.50% · 4.625%
HK$30,027
+HK$1,504/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$57,046/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,346 · 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).