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$13,355
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,770
−HK$422/mo
Today · 4.125%
HK$14,192
baseline
▲ 0.50% · 4.625%
HK$15,056
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,384/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,857
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,256
−HK$404/mo
Today · 4.125%
HK$15,660
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,320/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,026
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,525
−HK$506/mo
Today · 4.125%
HK$17,031
baseline
▲ 0.50% · 4.625%
HK$18,067
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,062/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,829
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,307
−HK$485/mo
Today · 4.125%
HK$18,792
baseline
▲ 0.50% · 4.625%
HK$19,783
+HK$991/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,584/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,697
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,279
−HK$590/mo
Today · 4.125%
HK$19,869
baseline
▲ 0.50% · 4.625%
HK$21,079
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,738/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,800
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,358
−HK$566/mo
Today · 4.125%
HK$21,924
baseline
▲ 0.50% · 4.625%
HK$23,080
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,848/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,039
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,787
−HK$759/mo
Today · 4.125%
HK$25,546
baseline
▲ 0.50% · 4.625%
HK$27,101
+HK$1,555/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,092/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,743
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,460
−HK$728/mo
Today · 4.125%
HK$28,188
baseline
▲ 0.50% · 4.625%
HK$29,674
+HK$1,486/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,376/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,779 · 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).