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$13,270
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,683
−HK$419/mo
Today · 4.125%
HK$14,102
baseline
▲ 0.50% · 4.625%
HK$14,960
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,204/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,763
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,159
−HK$401/mo
Today · 4.125%
HK$15,560
baseline
▲ 0.50% · 4.625%
HK$16,381
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,120/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,924
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,419
−HK$504/mo
Today · 4.125%
HK$16,923
baseline
▲ 0.50% · 4.625%
HK$17,952
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,846/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,715
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,190
−HK$482/mo
Today · 4.125%
HK$18,672
baseline
▲ 0.50% · 4.625%
HK$19,657
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,344/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,578
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,156
−HK$587/mo
Today · 4.125%
HK$19,743
baseline
▲ 0.50% · 4.625%
HK$20,944
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,486/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,668
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,222
−HK$562/mo
Today · 4.125%
HK$21,784
baseline
▲ 0.50% · 4.625%
HK$22,933
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,568/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,886
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,629
−HK$755/mo
Today · 4.125%
HK$25,384
baseline
▲ 0.50% · 4.625%
HK$26,928
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,768/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,573
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,286
−HK$723/mo
Today · 4.125%
HK$28,009
baseline
▲ 0.50% · 4.625%
HK$29,485
+HK$1,476/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,018/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,940 · 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).