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$13,264
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,676
−HK$420/mo
Today · 4.125%
HK$14,096
baseline
▲ 0.50% · 4.625%
HK$14,953
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,192/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,756
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,152
−HK$401/mo
Today · 4.125%
HK$15,553
baseline
▲ 0.50% · 4.625%
HK$16,373
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,106/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,917
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,412
−HK$503/mo
Today · 4.125%
HK$16,915
baseline
▲ 0.50% · 4.625%
HK$17,944
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,830/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,707
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,182
−HK$482/mo
Today · 4.125%
HK$18,664
baseline
▲ 0.50% · 4.625%
HK$19,648
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,328/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,569
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,147
−HK$587/mo
Today · 4.125%
HK$19,734
baseline
▲ 0.50% · 4.625%
HK$20,935
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,468/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,658
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,212
−HK$562/mo
Today · 4.125%
HK$21,774
baseline
▲ 0.50% · 4.625%
HK$22,922
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,548/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,875
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,618
−HK$754/mo
Today · 4.125%
HK$25,372
baseline
▲ 0.50% · 4.625%
HK$26,916
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,744/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,561
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,273
−HK$723/mo
Today · 4.125%
HK$27,996
baseline
▲ 0.50% · 4.625%
HK$29,471
+HK$1,475/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$55,992/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,880 · 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).