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$13,259
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,671
−HK$419/mo
Today · 4.125%
HK$14,090
baseline
▲ 0.50% · 4.625%
HK$14,948
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,180/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,750
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,146
−HK$401/mo
Today · 4.125%
HK$15,547
baseline
▲ 0.50% · 4.625%
HK$16,367
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,094/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,911
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,405
−HK$503/mo
Today · 4.125%
HK$16,908
baseline
▲ 0.50% · 4.625%
HK$17,937
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,816/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,700
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,175
−HK$482/mo
Today · 4.125%
HK$18,657
baseline
▲ 0.50% · 4.625%
HK$19,640
+HK$983/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,314/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,562
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,140
−HK$586/mo
Today · 4.125%
HK$19,726
baseline
▲ 0.50% · 4.625%
HK$20,927
+HK$1,201/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,452/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,650
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,204
−HK$562/mo
Today · 4.125%
HK$21,766
baseline
▲ 0.50% · 4.625%
HK$22,913
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,532/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,866
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,608
−HK$754/mo
Today · 4.125%
HK$25,362
baseline
▲ 0.50% · 4.625%
HK$26,906
+HK$1,544/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,724/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,550
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,263
−HK$722/mo
Today · 4.125%
HK$27,985
baseline
▲ 0.50% · 4.625%
HK$29,460
+HK$1,475/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,970/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,829 · 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).