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$13,268
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,681
−HK$419/mo
Today · 4.125%
HK$14,100
baseline
▲ 0.50% · 4.625%
HK$14,958
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,200/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,761
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,156
−HK$402/mo
Today · 4.125%
HK$15,558
baseline
▲ 0.50% · 4.625%
HK$16,378
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,116/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,922
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,417
−HK$503/mo
Today · 4.125%
HK$16,920
baseline
▲ 0.50% · 4.625%
HK$17,950
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,840/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,713
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,188
−HK$482/mo
Today · 4.125%
HK$18,670
baseline
▲ 0.50% · 4.625%
HK$19,654
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,340/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,575
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,153
−HK$587/mo
Today · 4.125%
HK$19,740
baseline
▲ 0.50% · 4.625%
HK$20,941
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,480/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,665
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,219
−HK$562/mo
Today · 4.125%
HK$21,781
baseline
▲ 0.50% · 4.625%
HK$22,929
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,562/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,882
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,625
−HK$755/mo
Today · 4.125%
HK$25,380
baseline
▲ 0.50% · 4.625%
HK$26,924
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,760/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,569
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,282
−HK$722/mo
Today · 4.125%
HK$28,004
baseline
▲ 0.50% · 4.625%
HK$29,481
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,008/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,920 · 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).