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$13,137
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,546
−HK$415/mo
Today · 4.125%
HK$13,961
baseline
▲ 0.50% · 4.625%
HK$14,811
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,922/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,615
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,007
−HK$398/mo
Today · 4.125%
HK$15,405
baseline
▲ 0.50% · 4.625%
HK$16,217
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,810/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,765
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,255
−HK$499/mo
Today · 4.125%
HK$16,754
baseline
▲ 0.50% · 4.625%
HK$17,773
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,508/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,538
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,009
−HK$477/mo
Today · 4.125%
HK$18,486
baseline
▲ 0.50% · 4.625%
HK$19,460
+HK$974/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,972/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,392
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,965
−HK$581/mo
Today · 4.125%
HK$19,546
baseline
▲ 0.50% · 4.625%
HK$20,735
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,092/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,461
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,010
−HK$557/mo
Today · 4.125%
HK$21,567
baseline
▲ 0.50% · 4.625%
HK$22,704
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,134/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,647
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,383
−HK$747/mo
Today · 4.125%
HK$25,130
baseline
▲ 0.50% · 4.625%
HK$26,660
+HK$1,530/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$50,260/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,308
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,013
−HK$716/mo
Today · 4.125%
HK$27,729
baseline
▲ 0.50% · 4.625%
HK$29,191
+HK$1,462/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$55,458/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,632 · 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).