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$13,037
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,443
−HK$412/mo
Today · 4.125%
HK$13,855
baseline
▲ 0.50% · 4.625%
HK$14,698
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,710/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,504
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,893
−HK$394/mo
Today · 4.125%
HK$15,287
baseline
▲ 0.50% · 4.625%
HK$16,093
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,574/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,645
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,131
−HK$495/mo
Today · 4.125%
HK$16,626
baseline
▲ 0.50% · 4.625%
HK$17,637
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,252/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,404
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,871
−HK$474/mo
Today · 4.125%
HK$18,345
baseline
▲ 0.50% · 4.625%
HK$19,312
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,690/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,252
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,820
−HK$577/mo
Today · 4.125%
HK$19,397
baseline
▲ 0.50% · 4.625%
HK$20,577
+HK$1,180/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,794/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,305
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,850
−HK$552/mo
Today · 4.125%
HK$21,402
baseline
▲ 0.50% · 4.625%
HK$22,530
+HK$1,128/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,804/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,467
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,197
−HK$741/mo
Today · 4.125%
HK$24,938
baseline
▲ 0.50% · 4.625%
HK$26,456
+HK$1,518/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,876/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,107
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,807
−HK$710/mo
Today · 4.125%
HK$27,517
baseline
▲ 0.50% · 4.625%
HK$28,968
+HK$1,451/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,034/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,642 · 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).