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$13,280
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,693
−HK$420/mo
Today · 4.125%
HK$14,113
baseline
▲ 0.50% · 4.625%
HK$14,972
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,226/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,774
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,171
−HK$401/mo
Today · 4.125%
HK$15,572
baseline
▲ 0.50% · 4.625%
HK$16,393
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,144/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,936
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,432
−HK$504/mo
Today · 4.125%
HK$16,936
baseline
▲ 0.50% · 4.625%
HK$17,966
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,872/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,729
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,205
−HK$482/mo
Today · 4.125%
HK$18,687
baseline
▲ 0.50% · 4.625%
HK$19,672
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,374/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,593
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,171
−HK$587/mo
Today · 4.125%
HK$19,758
baseline
▲ 0.50% · 4.625%
HK$20,961
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,516/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,684
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,239
−HK$562/mo
Today · 4.125%
HK$21,801
baseline
▲ 0.50% · 4.625%
HK$22,951
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,602/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,905
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,648
−HK$756/mo
Today · 4.125%
HK$25,404
baseline
▲ 0.50% · 4.625%
HK$26,949
+HK$1,545/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,808/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,594
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,307
−HK$723/mo
Today · 4.125%
HK$28,030
baseline
▲ 0.50% · 4.625%
HK$29,508
+HK$1,478/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,060/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,042 · 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).