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$13,339
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,754
−HK$422/mo
Today · 4.125%
HK$14,176
baseline
▲ 0.50% · 4.625%
HK$15,038
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,352/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,840
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,238
−HK$403/mo
Today · 4.125%
HK$15,641
baseline
▲ 0.50% · 4.625%
HK$16,466
+HK$825/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,282/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,007
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,505
−HK$506/mo
Today · 4.125%
HK$17,011
baseline
▲ 0.50% · 4.625%
HK$18,046
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,022/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,808
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,285
−HK$485/mo
Today · 4.125%
HK$18,770
baseline
▲ 0.50% · 4.625%
HK$19,759
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,540/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,675
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,256
−HK$590/mo
Today · 4.125%
HK$19,846
baseline
▲ 0.50% · 4.625%
HK$21,054
+HK$1,208/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,692/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,776
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,333
−HK$565/mo
Today · 4.125%
HK$21,898
baseline
▲ 0.50% · 4.625%
HK$23,052
+HK$1,154/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,796/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,011
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,757
−HK$759/mo
Today · 4.125%
HK$25,516
baseline
▲ 0.50% · 4.625%
HK$27,069
+HK$1,553/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$51,032/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,712
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,428
−HK$727/mo
Today · 4.125%
HK$28,155
baseline
▲ 0.50% · 4.625%
HK$29,639
+HK$1,484/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,310/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,623 · 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).