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$13,449
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,867
−HK$425/mo
Today · 4.125%
HK$14,292
baseline
▲ 0.50% · 4.625%
HK$15,162
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,584/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,962
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,363
−HK$407/mo
Today · 4.125%
HK$15,770
baseline
▲ 0.50% · 4.625%
HK$16,602
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,540/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,139
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,641
−HK$510/mo
Today · 4.125%
HK$17,151
baseline
▲ 0.50% · 4.625%
HK$18,194
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,302/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,954
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,436
−HK$488/mo
Today · 4.125%
HK$18,924
baseline
▲ 0.50% · 4.625%
HK$19,922
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,848/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,829
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,414
−HK$595/mo
Today · 4.125%
HK$20,009
baseline
▲ 0.50% · 4.625%
HK$21,227
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,018/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,947
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,508
−HK$570/mo
Today · 4.125%
HK$22,078
baseline
▲ 0.50% · 4.625%
HK$23,242
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,156/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,208
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,961
−HK$765/mo
Today · 4.125%
HK$25,726
baseline
▲ 0.50% · 4.625%
HK$27,292
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,452/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,931
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,654
−HK$732/mo
Today · 4.125%
HK$28,386
baseline
▲ 0.50% · 4.625%
HK$29,883
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,772/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,706 · 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).