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$13,101
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,509
−HK$414/mo
Today · 4.125%
HK$13,923
baseline
▲ 0.50% · 4.625%
HK$14,770
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,846/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,575
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,966
−HK$396/mo
Today · 4.125%
HK$15,362
baseline
▲ 0.50% · 4.625%
HK$16,172
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,724/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,721
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,210
−HK$497/mo
Today · 4.125%
HK$16,707
baseline
▲ 0.50% · 4.625%
HK$17,724
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,414/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,490
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,959
−HK$476/mo
Today · 4.125%
HK$18,435
baseline
▲ 0.50% · 4.625%
HK$19,407
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,870/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,342
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,912
−HK$580/mo
Today · 4.125%
HK$19,492
baseline
▲ 0.50% · 4.625%
HK$20,678
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,984/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,405
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,952
−HK$555/mo
Today · 4.125%
HK$21,507
baseline
▲ 0.50% · 4.625%
HK$22,641
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,014/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,582
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,316
−HK$745/mo
Today · 4.125%
HK$25,061
baseline
▲ 0.50% · 4.625%
HK$26,586
+HK$1,525/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,122/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,235
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,938
−HK$714/mo
Today · 4.125%
HK$27,652
baseline
▲ 0.50% · 4.625%
HK$29,110
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,304/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,274 · 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).