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$13,582
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,005
−HK$429/mo
Today · 4.125%
HK$14,434
baseline
▲ 0.50% · 4.625%
HK$15,312
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,868/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,110
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,515
−HK$412/mo
Today · 4.125%
HK$15,927
baseline
▲ 0.50% · 4.625%
HK$16,766
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,854/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,299
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,806
−HK$515/mo
Today · 4.125%
HK$17,321
baseline
▲ 0.50% · 4.625%
HK$18,375
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,642/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,132
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,619
−HK$493/mo
Today · 4.125%
HK$19,112
baseline
▲ 0.50% · 4.625%
HK$20,119
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,224/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,015
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,607
−HK$601/mo
Today · 4.125%
HK$20,208
baseline
▲ 0.50% · 4.625%
HK$21,437
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,416/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,154
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,722
−HK$575/mo
Today · 4.125%
HK$22,297
baseline
▲ 0.50% · 4.625%
HK$23,473
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,594/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,448
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,209
−HK$772/mo
Today · 4.125%
HK$25,981
baseline
▲ 0.50% · 4.625%
HK$27,562
+HK$1,581/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,962/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,198
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,928
−HK$740/mo
Today · 4.125%
HK$28,668
baseline
▲ 0.50% · 4.625%
HK$30,179
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,336/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,022 · 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).