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$13,066
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,473
−HK$413/mo
Today · 4.125%
HK$13,886
baseline
▲ 0.50% · 4.625%
HK$14,731
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,772/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,536
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,926
−HK$396/mo
Today · 4.125%
HK$15,322
baseline
▲ 0.50% · 4.625%
HK$16,129
+HK$807/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,644/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,680
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,167
−HK$496/mo
Today · 4.125%
HK$16,663
baseline
▲ 0.50% · 4.625%
HK$17,677
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,326/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,444
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,911
−HK$475/mo
Today · 4.125%
HK$18,386
baseline
▲ 0.50% · 4.625%
HK$19,355
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,772/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,293
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,862
−HK$578/mo
Today · 4.125%
HK$19,440
baseline
▲ 0.50% · 4.625%
HK$20,623
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,880/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,351
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,897
−HK$553/mo
Today · 4.125%
HK$21,450
baseline
▲ 0.50% · 4.625%
HK$22,581
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,900/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,520
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,251
−HK$743/mo
Today · 4.125%
HK$24,994
baseline
▲ 0.50% · 4.625%
HK$26,515
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,988/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,165
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,867
−HK$712/mo
Today · 4.125%
HK$27,579
baseline
▲ 0.50% · 4.625%
HK$29,033
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,158/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,931 · 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).