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$13,408
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,826
−HK$423/mo
Today · 4.125%
HK$14,249
baseline
▲ 0.50% · 4.625%
HK$15,116
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,498/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,917
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,317
−HK$406/mo
Today · 4.125%
HK$15,723
baseline
▲ 0.50% · 4.625%
HK$16,551
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,446/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,090
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,591
−HK$508/mo
Today · 4.125%
HK$17,099
baseline
▲ 0.50% · 4.625%
HK$18,140
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,198/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,900
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,380
−HK$487/mo
Today · 4.125%
HK$18,867
baseline
▲ 0.50% · 4.625%
HK$19,862
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,734/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,772
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,356
−HK$593/mo
Today · 4.125%
HK$19,949
baseline
▲ 0.50% · 4.625%
HK$21,163
+HK$1,214/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,898/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,883
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,444
−HK$568/mo
Today · 4.125%
HK$22,012
baseline
▲ 0.50% · 4.625%
HK$23,172
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,024/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,135
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,886
−HK$763/mo
Today · 4.125%
HK$25,649
baseline
▲ 0.50% · 4.625%
HK$27,209
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,298/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,850
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,570
−HK$731/mo
Today · 4.125%
HK$28,301
baseline
▲ 0.50% · 4.625%
HK$29,793
+HK$1,492/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,602/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,306 · 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).