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$13,410
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,827
−HK$424/mo
Today · 4.125%
HK$14,251
baseline
▲ 0.50% · 4.625%
HK$15,118
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,502/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,919
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,319
−HK$406/mo
Today · 4.125%
HK$15,725
baseline
▲ 0.50% · 4.625%
HK$16,553
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,450/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,092
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,593
−HK$508/mo
Today · 4.125%
HK$17,101
baseline
▲ 0.50% · 4.625%
HK$18,142
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,202/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,902
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,382
−HK$487/mo
Today · 4.125%
HK$18,869
baseline
▲ 0.50% · 4.625%
HK$19,864
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,738/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,774
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,358
−HK$593/mo
Today · 4.125%
HK$19,951
baseline
▲ 0.50% · 4.625%
HK$21,165
+HK$1,214/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,902/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,886
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,446
−HK$568/mo
Today · 4.125%
HK$22,014
baseline
▲ 0.50% · 4.625%
HK$23,175
+HK$1,161/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,028/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,138
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,889
−HK$763/mo
Today · 4.125%
HK$25,652
baseline
▲ 0.50% · 4.625%
HK$27,213
+HK$1,561/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,304/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,853
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,574
−HK$730/mo
Today · 4.125%
HK$28,304
baseline
▲ 0.50% · 4.625%
HK$29,796
+HK$1,492/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,608/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,322 · 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).