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$13,249
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,661
−HK$419/mo
Today · 4.125%
HK$14,080
baseline
▲ 0.50% · 4.625%
HK$14,936
+HK$856/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,160/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,739
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,135
−HK$401/mo
Today · 4.125%
HK$15,536
baseline
▲ 0.50% · 4.625%
HK$16,354
+HK$818/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,072/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,899
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,393
−HK$503/mo
Today · 4.125%
HK$16,896
baseline
▲ 0.50% · 4.625%
HK$17,924
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,792/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,687
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,161
−HK$482/mo
Today · 4.125%
HK$18,643
baseline
▲ 0.50% · 4.625%
HK$19,625
+HK$982/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,286/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,548
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,125
−HK$587/mo
Today · 4.125%
HK$19,712
baseline
▲ 0.50% · 4.625%
HK$20,911
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,424/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,635
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,188
−HK$562/mo
Today · 4.125%
HK$21,750
baseline
▲ 0.50% · 4.625%
HK$22,896
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,500/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,848
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,590
−HK$754/mo
Today · 4.125%
HK$25,344
baseline
▲ 0.50% · 4.625%
HK$26,886
+HK$1,542/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,688/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,531
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,242
−HK$722/mo
Today · 4.125%
HK$27,964
baseline
▲ 0.50% · 4.625%
HK$29,438
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,928/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,732 · 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).