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$13,613
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,036
−HK$431/mo
Today · 4.125%
HK$14,467
baseline
▲ 0.50% · 4.625%
HK$15,347
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,934/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,144
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,550
−HK$412/mo
Today · 4.125%
HK$15,962
baseline
▲ 0.50% · 4.625%
HK$16,804
+HK$842/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,924/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,335
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,844
−HK$516/mo
Today · 4.125%
HK$17,360
baseline
▲ 0.50% · 4.625%
HK$18,416
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,720/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,173
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,660
−HK$495/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,165
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,310/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,058
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,651
−HK$602/mo
Today · 4.125%
HK$20,253
baseline
▲ 0.50% · 4.625%
HK$21,486
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,506/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,202
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,771
−HK$576/mo
Today · 4.125%
HK$22,347
baseline
▲ 0.50% · 4.625%
HK$23,525
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,694/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,503
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,265
−HK$775/mo
Today · 4.125%
HK$26,040
baseline
▲ 0.50% · 4.625%
HK$27,624
+HK$1,584/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,080/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,260
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,991
−HK$741/mo
Today · 4.125%
HK$28,732
baseline
▲ 0.50% · 4.625%
HK$30,247
+HK$1,515/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,464/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,323 · 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).