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$13,231
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,642
−HK$418/mo
Today · 4.125%
HK$14,060
baseline
▲ 0.50% · 4.625%
HK$14,916
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,120/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,719
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,114
−HK$400/mo
Today · 4.125%
HK$15,514
baseline
▲ 0.50% · 4.625%
HK$16,332
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,028/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,877
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,371
−HK$502/mo
Today · 4.125%
HK$16,873
baseline
▲ 0.50% · 4.625%
HK$17,899
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,746/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,663
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,137
−HK$480/mo
Today · 4.125%
HK$18,617
baseline
▲ 0.50% · 4.625%
HK$19,599
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,234/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,523
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,099
−HK$586/mo
Today · 4.125%
HK$19,685
baseline
▲ 0.50% · 4.625%
HK$20,882
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,370/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,607
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,159
−HK$561/mo
Today · 4.125%
HK$21,720
baseline
▲ 0.50% · 4.625%
HK$22,865
+HK$1,145/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,440/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,815
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,556
−HK$753/mo
Today · 4.125%
HK$25,309
baseline
▲ 0.50% · 4.625%
HK$26,849
+HK$1,540/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,618/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,494
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,205
−HK$721/mo
Today · 4.125%
HK$27,926
baseline
▲ 0.50% · 4.625%
HK$29,398
+HK$1,472/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,852/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,553 · 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).