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$13,602
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,025
−HK$430/mo
Today · 4.125%
HK$14,455
baseline
▲ 0.50% · 4.625%
HK$15,335
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,910/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,132
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,538
−HK$412/mo
Today · 4.125%
HK$15,950
baseline
▲ 0.50% · 4.625%
HK$16,790
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,900/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,323
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,830
−HK$516/mo
Today · 4.125%
HK$17,346
baseline
▲ 0.50% · 4.625%
HK$18,402
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,692/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,159
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,646
−HK$494/mo
Today · 4.125%
HK$19,140
baseline
▲ 0.50% · 4.625%
HK$20,149
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,280/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,043
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,635
−HK$602/mo
Today · 4.125%
HK$20,237
baseline
▲ 0.50% · 4.625%
HK$21,468
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,474/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,185
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,753
−HK$577/mo
Today · 4.125%
HK$22,330
baseline
▲ 0.50% · 4.625%
HK$23,507
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,660/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,484
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,245
−HK$774/mo
Today · 4.125%
HK$26,019
baseline
▲ 0.50% · 4.625%
HK$27,602
+HK$1,583/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,038/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,238
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,968
−HK$742/mo
Today · 4.125%
HK$28,710
baseline
▲ 0.50% · 4.625%
HK$30,223
+HK$1,513/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,420/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,217 · 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).