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$13,813
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,242
−HK$437/mo
Today · 4.125%
HK$14,679
baseline
▲ 0.50% · 4.625%
HK$15,572
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,358/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,366
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,778
−HK$419/mo
Today · 4.125%
HK$16,197
baseline
▲ 0.50% · 4.625%
HK$17,050
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,394/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,575
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,091
−HK$523/mo
Today · 4.125%
HK$17,614
baseline
▲ 0.50% · 4.625%
HK$18,686
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,228/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,440
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,934
−HK$502/mo
Today · 4.125%
HK$19,436
baseline
▲ 0.50% · 4.625%
HK$20,460
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,872/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,338
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,939
−HK$611/mo
Today · 4.125%
HK$20,550
baseline
▲ 0.50% · 4.625%
HK$21,801
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,100/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,513
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,090
−HK$585/mo
Today · 4.125%
HK$22,675
baseline
▲ 0.50% · 4.625%
HK$23,870
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,350/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,863
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,636
−HK$786/mo
Today · 4.125%
HK$26,422
baseline
▲ 0.50% · 4.625%
HK$28,029
+HK$1,607/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,844/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,659
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,401
−HK$753/mo
Today · 4.125%
HK$29,154
baseline
▲ 0.50% · 4.625%
HK$30,691
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,308/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,747 · 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).