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$13,173
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,583
−HK$416/mo
Today · 4.125%
HK$13,999
baseline
▲ 0.50% · 4.625%
HK$14,851
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,998/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,655
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,048
−HK$398/mo
Today · 4.125%
HK$15,446
baseline
▲ 0.50% · 4.625%
HK$16,261
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,892/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,807
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,299
−HK$500/mo
Today · 4.125%
HK$16,799
baseline
▲ 0.50% · 4.625%
HK$17,821
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,598/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,586
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,057
−HK$479/mo
Today · 4.125%
HK$18,536
baseline
▲ 0.50% · 4.625%
HK$19,513
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,072/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,442
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,016
−HK$582/mo
Today · 4.125%
HK$19,598
baseline
▲ 0.50% · 4.625%
HK$20,791
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,196/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,516
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,067
−HK$558/mo
Today · 4.125%
HK$21,625
baseline
▲ 0.50% · 4.625%
HK$22,765
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,250/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,711
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,449
−HK$749/mo
Today · 4.125%
HK$25,198
baseline
▲ 0.50% · 4.625%
HK$26,731
+HK$1,533/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,396/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,378
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,086
−HK$717/mo
Today · 4.125%
HK$27,803
baseline
▲ 0.50% · 4.625%
HK$29,269
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,606/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,981 · 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).