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$13,095
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,502
−HK$414/mo
Today · 4.125%
HK$13,916
baseline
▲ 0.50% · 4.625%
HK$14,763
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,832/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,568
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,959
−HK$396/mo
Today · 4.125%
HK$15,355
baseline
▲ 0.50% · 4.625%
HK$16,165
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,710/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,714
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,203
−HK$497/mo
Today · 4.125%
HK$16,700
baseline
▲ 0.50% · 4.625%
HK$17,716
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,400/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,482
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,951
−HK$475/mo
Today · 4.125%
HK$18,426
baseline
▲ 0.50% · 4.625%
HK$19,398
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,852/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,333
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,903
−HK$580/mo
Today · 4.125%
HK$19,483
baseline
▲ 0.50% · 4.625%
HK$20,668
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,966/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,395
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,942
−HK$555/mo
Today · 4.125%
HK$21,497
baseline
▲ 0.50% · 4.625%
HK$22,631
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,994/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,571
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,304
−HK$745/mo
Today · 4.125%
HK$25,049
baseline
▲ 0.50% · 4.625%
HK$26,574
+HK$1,525/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,098/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,223
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,926
−HK$713/mo
Today · 4.125%
HK$27,639
baseline
▲ 0.50% · 4.625%
HK$29,096
+HK$1,457/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,278/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,214 · 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).