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$13,436
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,854
−HK$424/mo
Today · 4.125%
HK$14,278
baseline
▲ 0.50% · 4.625%
HK$15,147
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,556/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,947
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,348
−HK$407/mo
Today · 4.125%
HK$15,755
baseline
▲ 0.50% · 4.625%
HK$16,585
+HK$830/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,510/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,123
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,624
−HK$510/mo
Today · 4.125%
HK$17,134
baseline
▲ 0.50% · 4.625%
HK$18,176
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,268/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,936
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,417
−HK$488/mo
Today · 4.125%
HK$18,905
baseline
▲ 0.50% · 4.625%
HK$19,902
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,810/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,810
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,395
−HK$594/mo
Today · 4.125%
HK$19,989
baseline
▲ 0.50% · 4.625%
HK$21,206
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,978/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,926
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,487
−HK$569/mo
Today · 4.125%
HK$22,056
baseline
▲ 0.50% · 4.625%
HK$23,219
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,112/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,184
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,936
−HK$765/mo
Today · 4.125%
HK$25,701
baseline
▲ 0.50% · 4.625%
HK$27,265
+HK$1,564/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,402/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,905
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,626
−HK$732/mo
Today · 4.125%
HK$28,358
baseline
▲ 0.50% · 4.625%
HK$29,853
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,716/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,574 · 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).