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$13,052
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,458
−HK$413/mo
Today · 4.125%
HK$13,871
baseline
▲ 0.50% · 4.625%
HK$14,715
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,742/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,520
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,910
−HK$395/mo
Today · 4.125%
HK$15,305
baseline
▲ 0.50% · 4.625%
HK$16,112
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,610/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,663
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,150
−HK$495/mo
Today · 4.125%
HK$16,645
baseline
▲ 0.50% · 4.625%
HK$17,658
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,290/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,425
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,892
−HK$474/mo
Today · 4.125%
HK$18,366
baseline
▲ 0.50% · 4.625%
HK$19,334
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,732/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,273
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,841
−HK$578/mo
Today · 4.125%
HK$19,419
baseline
▲ 0.50% · 4.625%
HK$20,601
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,838/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,329
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,874
−HK$553/mo
Today · 4.125%
HK$21,427
baseline
▲ 0.50% · 4.625%
HK$22,556
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,854/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,494
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,225
−HK$742/mo
Today · 4.125%
HK$24,967
baseline
▲ 0.50% · 4.625%
HK$26,486
+HK$1,519/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,934/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,137
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,838
−HK$711/mo
Today · 4.125%
HK$27,549
baseline
▲ 0.50% · 4.625%
HK$29,001
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,098/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,791 · 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).