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$13,560
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,981
−HK$429/mo
Today · 4.125%
HK$14,410
baseline
▲ 0.50% · 4.625%
HK$15,287
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,820/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,085
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,489
−HK$411/mo
Today · 4.125%
HK$15,900
baseline
▲ 0.50% · 4.625%
HK$16,738
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,800/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,271
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,778
−HK$514/mo
Today · 4.125%
HK$17,292
baseline
▲ 0.50% · 4.625%
HK$18,344
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,584/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,102
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,587
−HK$493/mo
Today · 4.125%
HK$19,080
baseline
▲ 0.50% · 4.625%
HK$20,085
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,160/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,983
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,574
−HK$600/mo
Today · 4.125%
HK$20,174
baseline
▲ 0.50% · 4.625%
HK$21,401
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,348/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,119
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,685
−HK$575/mo
Today · 4.125%
HK$22,260
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,520/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,407
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,166
−HK$772/mo
Today · 4.125%
HK$25,938
baseline
▲ 0.50% · 4.625%
HK$27,516
+HK$1,578/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,876/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,153
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,881
−HK$739/mo
Today · 4.125%
HK$28,620
baseline
▲ 0.50% · 4.625%
HK$30,128
+HK$1,508/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,240/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,796 · 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).