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$13,642
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,066
−HK$431/mo
Today · 4.125%
HK$14,497
baseline
▲ 0.50% · 4.625%
HK$15,379
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,994/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,176
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,583
−HK$413/mo
Today · 4.125%
HK$15,996
baseline
▲ 0.50% · 4.625%
HK$16,839
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,992/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,370
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,879
−HK$517/mo
Today · 4.125%
HK$17,396
baseline
▲ 0.50% · 4.625%
HK$18,455
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,792/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,211
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,700
−HK$495/mo
Today · 4.125%
HK$19,195
baseline
▲ 0.50% · 4.625%
HK$20,207
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,390/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,098
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,692
−HK$604/mo
Today · 4.125%
HK$20,296
baseline
▲ 0.50% · 4.625%
HK$21,531
+HK$1,235/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,592/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,246
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,816
−HK$578/mo
Today · 4.125%
HK$22,394
baseline
▲ 0.50% · 4.625%
HK$23,575
+HK$1,181/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,788/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,555
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,319
−HK$776/mo
Today · 4.125%
HK$26,095
baseline
▲ 0.50% · 4.625%
HK$27,682
+HK$1,587/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,190/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,317
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,050
−HK$743/mo
Today · 4.125%
HK$28,793
baseline
▲ 0.50% · 4.625%
HK$30,310
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,586/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,606 · 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).