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$13,648
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,073
−HK$431/mo
Today · 4.125%
HK$14,504
baseline
▲ 0.50% · 4.625%
HK$15,387
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,008/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,184
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,591
−HK$413/mo
Today · 4.125%
HK$16,004
baseline
▲ 0.50% · 4.625%
HK$16,847
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,008/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,378
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,887
−HK$518/mo
Today · 4.125%
HK$17,405
baseline
▲ 0.50% · 4.625%
HK$18,464
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,810/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,220
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,709
−HK$496/mo
Today · 4.125%
HK$19,205
baseline
▲ 0.50% · 4.625%
HK$20,217
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,410/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,108
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,702
−HK$604/mo
Today · 4.125%
HK$20,306
baseline
▲ 0.50% · 4.625%
HK$21,541
+HK$1,235/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,612/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,257
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,827
−HK$578/mo
Today · 4.125%
HK$22,405
baseline
▲ 0.50% · 4.625%
HK$23,586
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,810/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,567
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,331
−HK$776/mo
Today · 4.125%
HK$26,107
baseline
▲ 0.50% · 4.625%
HK$27,696
+HK$1,589/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,214/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,330
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,063
−HK$744/mo
Today · 4.125%
HK$28,807
baseline
▲ 0.50% · 4.625%
HK$30,325
+HK$1,518/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,614/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,672 · 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).