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$13,150
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,559
−HK$416/mo
Today · 4.125%
HK$13,975
baseline
▲ 0.50% · 4.625%
HK$14,825
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,950/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,629
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,022
−HK$398/mo
Today · 4.125%
HK$15,420
baseline
▲ 0.50% · 4.625%
HK$16,233
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,840/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,780
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,271
−HK$499/mo
Today · 4.125%
HK$16,770
baseline
▲ 0.50% · 4.625%
HK$17,790
+HK$1,020/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,540/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,555
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,026
−HK$478/mo
Today · 4.125%
HK$18,504
baseline
▲ 0.50% · 4.625%
HK$19,479
+HK$975/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,008/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,410
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,983
−HK$582/mo
Today · 4.125%
HK$19,565
baseline
▲ 0.50% · 4.625%
HK$20,755
+HK$1,190/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,130/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,481
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,031
−HK$557/mo
Today · 4.125%
HK$21,588
baseline
▲ 0.50% · 4.625%
HK$22,726
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,176/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,670
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,407
−HK$748/mo
Today · 4.125%
HK$25,155
baseline
▲ 0.50% · 4.625%
HK$26,685
+HK$1,530/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,310/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,333
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,039
−HK$717/mo
Today · 4.125%
HK$27,756
baseline
▲ 0.50% · 4.625%
HK$29,219
+HK$1,463/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,512/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,758 · 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).