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$13,530
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,951
−HK$427/mo
Today · 4.125%
HK$14,378
baseline
▲ 0.50% · 4.625%
HK$15,253
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,756/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,052
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,456
−HK$409/mo
Today · 4.125%
HK$15,865
baseline
▲ 0.50% · 4.625%
HK$16,701
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,730/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,236
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,741
−HK$513/mo
Today · 4.125%
HK$17,254
baseline
▲ 0.50% · 4.625%
HK$18,304
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,508/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,062
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,547
−HK$491/mo
Today · 4.125%
HK$19,038
baseline
▲ 0.50% · 4.625%
HK$20,042
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,076/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,942
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,531
−HK$599/mo
Today · 4.125%
HK$20,130
baseline
▲ 0.50% · 4.625%
HK$21,354
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,260/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,073
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,638
−HK$573/mo
Today · 4.125%
HK$22,211
baseline
▲ 0.50% · 4.625%
HK$23,382
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,422/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,354
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,111
−HK$770/mo
Today · 4.125%
HK$25,881
baseline
▲ 0.50% · 4.625%
HK$27,456
+HK$1,575/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,762/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,093
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,820
−HK$737/mo
Today · 4.125%
HK$28,557
baseline
▲ 0.50% · 4.625%
HK$30,062
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,114/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,504 · 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).