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$13,098
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,505
−HK$414/mo
Today · 4.125%
HK$13,919
baseline
▲ 0.50% · 4.625%
HK$14,766
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,838/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,571
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,962
−HK$397/mo
Today · 4.125%
HK$15,359
baseline
▲ 0.50% · 4.625%
HK$16,168
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,718/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,717
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,206
−HK$497/mo
Today · 4.125%
HK$16,703
baseline
▲ 0.50% · 4.625%
HK$17,719
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,406/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,486
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,955
−HK$475/mo
Today · 4.125%
HK$18,430
baseline
▲ 0.50% · 4.625%
HK$19,402
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,860/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,337
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,907
−HK$580/mo
Today · 4.125%
HK$19,487
baseline
▲ 0.50% · 4.625%
HK$20,673
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,974/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,400
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,947
−HK$555/mo
Today · 4.125%
HK$21,502
baseline
▲ 0.50% · 4.625%
HK$22,635
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,004/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,576
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,310
−HK$745/mo
Today · 4.125%
HK$25,055
baseline
▲ 0.50% · 4.625%
HK$26,579
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,110/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,228
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,932
−HK$713/mo
Today · 4.125%
HK$27,645
baseline
▲ 0.50% · 4.625%
HK$29,103
+HK$1,458/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,290/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,242 · 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).