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$13,086
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,493
−HK$414/mo
Today · 4.125%
HK$13,907
baseline
▲ 0.50% · 4.625%
HK$14,753
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,814/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,558
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,949
−HK$396/mo
Today · 4.125%
HK$15,345
baseline
▲ 0.50% · 4.625%
HK$16,154
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,690/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,704
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,192
−HK$496/mo
Today · 4.125%
HK$16,688
baseline
▲ 0.50% · 4.625%
HK$17,704
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,376/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,470
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,939
−HK$475/mo
Today · 4.125%
HK$18,414
baseline
▲ 0.50% · 4.625%
HK$19,385
+HK$971/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,828/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,321
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,891
−HK$579/mo
Today · 4.125%
HK$19,470
baseline
▲ 0.50% · 4.625%
HK$20,654
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,940/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,382
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,928
−HK$555/mo
Today · 4.125%
HK$21,483
baseline
▲ 0.50% · 4.625%
HK$22,615
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,966/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,555
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,288
−HK$745/mo
Today · 4.125%
HK$25,033
baseline
▲ 0.50% · 4.625%
HK$26,556
+HK$1,523/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,066/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,205
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,908
−HK$713/mo
Today · 4.125%
HK$27,621
baseline
▲ 0.50% · 4.625%
HK$29,077
+HK$1,456/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,242/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,128 · 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).