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$13,614
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,038
−HK$430/mo
Today · 4.125%
HK$14,468
baseline
▲ 0.50% · 4.625%
HK$15,348
+HK$880/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,936/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,146
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,552
−HK$412/mo
Today · 4.125%
HK$15,964
baseline
▲ 0.50% · 4.625%
HK$16,805
+HK$841/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,928/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,337
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,845
−HK$516/mo
Today · 4.125%
HK$17,361
baseline
▲ 0.50% · 4.625%
HK$18,418
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,722/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,175
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,662
−HK$495/mo
Today · 4.125%
HK$19,157
baseline
▲ 0.50% · 4.625%
HK$20,166
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,314/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,060
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,653
−HK$602/mo
Today · 4.125%
HK$20,255
baseline
▲ 0.50% · 4.625%
HK$21,487
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,510/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,204
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,772
−HK$577/mo
Today · 4.125%
HK$22,349
baseline
▲ 0.50% · 4.625%
HK$23,527
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,698/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,505
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,268
−HK$774/mo
Today · 4.125%
HK$26,042
baseline
▲ 0.50% · 4.625%
HK$27,627
+HK$1,585/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,084/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,262
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,993
−HK$742/mo
Today · 4.125%
HK$28,735
baseline
▲ 0.50% · 4.625%
HK$30,250
+HK$1,515/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,470/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,335 · 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).