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$13,621
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,045
−HK$431/mo
Today · 4.125%
HK$14,476
baseline
▲ 0.50% · 4.625%
HK$15,356
+HK$880/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,952/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,154
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,560
−HK$412/mo
Today · 4.125%
HK$15,972
baseline
▲ 0.50% · 4.625%
HK$16,814
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,944/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,346
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$517/mo
Today · 4.125%
HK$17,371
baseline
▲ 0.50% · 4.625%
HK$18,428
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,742/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,184
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,672
−HK$495/mo
Today · 4.125%
HK$19,167
baseline
▲ 0.50% · 4.625%
HK$20,177
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,334/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,070
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,663
−HK$603/mo
Today · 4.125%
HK$20,266
baseline
▲ 0.50% · 4.625%
HK$21,499
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,532/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,215
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,784
−HK$577/mo
Today · 4.125%
HK$22,361
baseline
▲ 0.50% · 4.625%
HK$23,540
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,722/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,518
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,281
−HK$775/mo
Today · 4.125%
HK$26,056
baseline
▲ 0.50% · 4.625%
HK$27,641
+HK$1,585/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$52,112/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,277
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,008
−HK$742/mo
Today · 4.125%
HK$28,750
baseline
▲ 0.50% · 4.625%
HK$30,266
+HK$1,516/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$57,500/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,407 · 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).