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$13,549
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,971
−HK$428/mo
Today · 4.125%
HK$14,399
baseline
▲ 0.50% · 4.625%
HK$15,275
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,798/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,073
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,477
−HK$411/mo
Today · 4.125%
HK$15,888
baseline
▲ 0.50% · 4.625%
HK$16,725
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,776/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,259
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,765
−HK$513/mo
Today · 4.125%
HK$17,278
baseline
▲ 0.50% · 4.625%
HK$18,330
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,556/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,088
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,573
−HK$492/mo
Today · 4.125%
HK$19,065
baseline
▲ 0.50% · 4.625%
HK$20,070
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,130/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,969
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,559
−HK$599/mo
Today · 4.125%
HK$20,158
baseline
▲ 0.50% · 4.625%
HK$21,385
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,316/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,102
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,668
−HK$575/mo
Today · 4.125%
HK$22,243
baseline
▲ 0.50% · 4.625%
HK$23,415
+HK$1,172/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,486/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,388
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,147
−HK$771/mo
Today · 4.125%
HK$25,918
baseline
▲ 0.50% · 4.625%
HK$27,495
+HK$1,577/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,836/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,132
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,859
−HK$739/mo
Today · 4.125%
HK$28,598
baseline
▲ 0.50% · 4.625%
HK$30,105
+HK$1,507/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,196/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,693 · 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).