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$13,183
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,593
−HK$417/mo
Today · 4.125%
HK$14,010
baseline
▲ 0.50% · 4.625%
HK$14,862
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,020/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,666
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,059
−HK$399/mo
Today · 4.125%
HK$15,458
baseline
▲ 0.50% · 4.625%
HK$16,273
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,916/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,820
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,312
−HK$500/mo
Today · 4.125%
HK$16,812
baseline
▲ 0.50% · 4.625%
HK$17,835
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,624/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,599
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,071
−HK$479/mo
Today · 4.125%
HK$18,550
baseline
▲ 0.50% · 4.625%
HK$19,528
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,100/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,456
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,030
−HK$584/mo
Today · 4.125%
HK$19,614
baseline
▲ 0.50% · 4.625%
HK$20,807
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,228/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,532
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,083
−HK$559/mo
Today · 4.125%
HK$21,642
baseline
▲ 0.50% · 4.625%
HK$22,782
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,284/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,729
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,468
−HK$749/mo
Today · 4.125%
HK$25,217
baseline
▲ 0.50% · 4.625%
HK$26,752
+HK$1,535/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,434/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,399
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,107
−HK$718/mo
Today · 4.125%
HK$27,825
baseline
▲ 0.50% · 4.625%
HK$29,292
+HK$1,467/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,650/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,081 · 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).