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$13,244
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,656
−HK$419/mo
Today · 4.125%
HK$14,075
baseline
▲ 0.50% · 4.625%
HK$14,931
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,150/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,734
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,130
−HK$400/mo
Today · 4.125%
HK$15,530
baseline
▲ 0.50% · 4.625%
HK$16,349
+HK$819/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,060/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,893
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,388
−HK$502/mo
Today · 4.125%
HK$16,890
baseline
▲ 0.50% · 4.625%
HK$17,918
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,780/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,681
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,155
−HK$481/mo
Today · 4.125%
HK$18,636
baseline
▲ 0.50% · 4.625%
HK$19,619
+HK$983/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,272/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,542
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,119
−HK$586/mo
Today · 4.125%
HK$19,705
baseline
▲ 0.50% · 4.625%
HK$20,904
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,410/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,628
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,181
−HK$562/mo
Today · 4.125%
HK$21,743
baseline
▲ 0.50% · 4.625%
HK$22,889
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,486/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,840
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,582
−HK$753/mo
Today · 4.125%
HK$25,335
baseline
▲ 0.50% · 4.625%
HK$26,877
+HK$1,542/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,670/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,522
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,233
−HK$722/mo
Today · 4.125%
HK$27,955
baseline
▲ 0.50% · 4.625%
HK$29,428
+HK$1,473/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,910/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,688 · 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).