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$13,235
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,646
−HK$419/mo
Today · 4.125%
HK$14,065
baseline
▲ 0.50% · 4.625%
HK$14,920
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,130/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,723
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,118
−HK$401/mo
Today · 4.125%
HK$15,519
baseline
▲ 0.50% · 4.625%
HK$16,337
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,038/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,882
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,376
−HK$502/mo
Today · 4.125%
HK$16,878
baseline
▲ 0.50% · 4.625%
HK$17,904
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,756/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,668
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,142
−HK$481/mo
Today · 4.125%
HK$18,623
baseline
▲ 0.50% · 4.625%
HK$19,604
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,246/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,529
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,105
−HK$585/mo
Today · 4.125%
HK$19,690
baseline
▲ 0.50% · 4.625%
HK$20,889
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,380/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,613
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,166
−HK$560/mo
Today · 4.125%
HK$21,726
baseline
▲ 0.50% · 4.625%
HK$22,872
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,452/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,822
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,563
−HK$753/mo
Today · 4.125%
HK$25,316
baseline
▲ 0.50% · 4.625%
HK$26,857
+HK$1,541/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,632/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,502
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,213
−HK$721/mo
Today · 4.125%
HK$27,934
baseline
▲ 0.50% · 4.625%
HK$29,406
+HK$1,472/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,868/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,591 · 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).