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$13,336
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,750
−HK$422/mo
Today · 4.125%
HK$14,172
baseline
▲ 0.50% · 4.625%
HK$15,034
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,344/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,836
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,234
−HK$403/mo
Today · 4.125%
HK$15,637
baseline
▲ 0.50% · 4.625%
HK$16,462
+HK$825/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,274/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,003
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,501
−HK$505/mo
Today · 4.125%
HK$17,006
baseline
▲ 0.50% · 4.625%
HK$18,041
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,012/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,803
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,280
−HK$485/mo
Today · 4.125%
HK$18,765
baseline
▲ 0.50% · 4.625%
HK$19,754
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,530/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,670
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,251
−HK$590/mo
Today · 4.125%
HK$19,841
baseline
▲ 0.50% · 4.625%
HK$21,048
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,682/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,770
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,327
−HK$565/mo
Today · 4.125%
HK$21,892
baseline
▲ 0.50% · 4.625%
HK$23,046
+HK$1,154/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,784/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,004
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,751
−HK$758/mo
Today · 4.125%
HK$25,509
baseline
▲ 0.50% · 4.625%
HK$27,062
+HK$1,553/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$51,018/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,704
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,421
−HK$726/mo
Today · 4.125%
HK$28,147
baseline
▲ 0.50% · 4.625%
HK$29,631
+HK$1,484/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,294/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,588 · 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).