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$13,342
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,757
−HK$422/mo
Today · 4.125%
HK$14,179
baseline
▲ 0.50% · 4.625%
HK$15,042
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,358/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,843
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,241
−HK$404/mo
Today · 4.125%
HK$15,645
baseline
▲ 0.50% · 4.625%
HK$16,470
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,290/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,011
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,509
−HK$506/mo
Today · 4.125%
HK$17,015
baseline
▲ 0.50% · 4.625%
HK$18,050
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,030/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,812
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,289
−HK$485/mo
Today · 4.125%
HK$18,774
baseline
▲ 0.50% · 4.625%
HK$19,764
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,548/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,679
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,260
−HK$591/mo
Today · 4.125%
HK$19,851
baseline
▲ 0.50% · 4.625%
HK$21,058
+HK$1,207/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,702/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,780
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,338
−HK$565/mo
Today · 4.125%
HK$21,903
baseline
▲ 0.50% · 4.625%
HK$23,058
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,806/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,016
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,763
−HK$759/mo
Today · 4.125%
HK$25,522
baseline
▲ 0.50% · 4.625%
HK$27,075
+HK$1,553/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,044/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,718
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,434
−HK$727/mo
Today · 4.125%
HK$28,161
baseline
▲ 0.50% · 4.625%
HK$29,646
+HK$1,485/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,322/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,653 · 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).