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$13,611
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,034
−HK$431/mo
Today · 4.125%
HK$14,465
baseline
▲ 0.50% · 4.625%
HK$15,345
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,930/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,142
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,548
−HK$412/mo
Today · 4.125%
HK$15,960
baseline
▲ 0.50% · 4.625%
HK$16,802
+HK$842/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,920/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,333
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,841
−HK$516/mo
Today · 4.125%
HK$17,357
baseline
▲ 0.50% · 4.625%
HK$18,414
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,714/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,171
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,658
−HK$494/mo
Today · 4.125%
HK$19,152
baseline
▲ 0.50% · 4.625%
HK$20,162
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,304/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,055
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,648
−HK$602/mo
Today · 4.125%
HK$20,250
baseline
▲ 0.50% · 4.625%
HK$21,483
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,500/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,199
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,768
−HK$576/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,522
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,688/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,500
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,262
−HK$774/mo
Today · 4.125%
HK$26,036
baseline
▲ 0.50% · 4.625%
HK$27,620
+HK$1,584/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,072/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,256
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,987
−HK$741/mo
Today · 4.125%
HK$28,728
baseline
▲ 0.50% · 4.625%
HK$30,243
+HK$1,515/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,456/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,305 · 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).