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$13,412
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,829
−HK$424/mo
Today · 4.125%
HK$14,253
baseline
▲ 0.50% · 4.625%
HK$15,120
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,506/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,921
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,321
−HK$406/mo
Today · 4.125%
HK$15,727
baseline
▲ 0.50% · 4.625%
HK$16,556
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,454/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,094
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,595
−HK$509/mo
Today · 4.125%
HK$17,104
baseline
▲ 0.50% · 4.625%
HK$18,144
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,208/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,905
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,385
−HK$487/mo
Today · 4.125%
HK$18,872
baseline
▲ 0.50% · 4.625%
HK$19,867
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,744/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,777
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,361
−HK$593/mo
Today · 4.125%
HK$19,954
baseline
▲ 0.50% · 4.625%
HK$21,168
+HK$1,214/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,908/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,889
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,449
−HK$569/mo
Today · 4.125%
HK$22,018
baseline
▲ 0.50% · 4.625%
HK$23,178
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,036/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,142
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,892
−HK$763/mo
Today · 4.125%
HK$25,655
baseline
▲ 0.50% · 4.625%
HK$27,217
+HK$1,562/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,310/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,857
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,578
−HK$730/mo
Today · 4.125%
HK$28,308
baseline
▲ 0.50% · 4.625%
HK$29,800
+HK$1,492/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,616/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,341 · 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).