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$13,278
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,691
−HK$419/mo
Today · 4.125%
HK$14,110
baseline
▲ 0.50% · 4.625%
HK$14,969
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,220/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,771
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,168
−HK$401/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,390
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,138/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,933
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,429
−HK$504/mo
Today · 4.125%
HK$16,933
baseline
▲ 0.50% · 4.625%
HK$17,963
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,866/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,726
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,201
−HK$482/mo
Today · 4.125%
HK$18,683
baseline
▲ 0.50% · 4.625%
HK$19,668
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,366/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,589
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,167
−HK$588/mo
Today · 4.125%
HK$19,755
baseline
▲ 0.50% · 4.625%
HK$20,957
+HK$1,202/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,510/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,680
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,235
−HK$562/mo
Today · 4.125%
HK$21,797
baseline
▲ 0.50% · 4.625%
HK$22,946
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,594/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,900
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,643
−HK$756/mo
Today · 4.125%
HK$25,399
baseline
▲ 0.50% · 4.625%
HK$26,944
+HK$1,545/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,798/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,589
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,302
−HK$723/mo
Today · 4.125%
HK$28,025
baseline
▲ 0.50% · 4.625%
HK$29,502
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,050/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,017 · 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).