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$13,349
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,764
−HK$422/mo
Today · 4.125%
HK$14,186
baseline
▲ 0.50% · 4.625%
HK$15,049
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,372/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,850
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,249
−HK$404/mo
Today · 4.125%
HK$15,653
baseline
▲ 0.50% · 4.625%
HK$16,478
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,306/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,018
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,517
−HK$506/mo
Today · 4.125%
HK$17,023
baseline
▲ 0.50% · 4.625%
HK$18,059
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,046/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,820
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,298
−HK$485/mo
Today · 4.125%
HK$18,783
baseline
▲ 0.50% · 4.625%
HK$19,773
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,566/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,688
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,270
−HK$590/mo
Today · 4.125%
HK$19,860
baseline
▲ 0.50% · 4.625%
HK$21,069
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,720/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,790
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,348
−HK$566/mo
Today · 4.125%
HK$21,914
baseline
▲ 0.50% · 4.625%
HK$23,069
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,828/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,028
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,775
−HK$759/mo
Today · 4.125%
HK$25,534
baseline
▲ 0.50% · 4.625%
HK$27,088
+HK$1,554/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,068/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,731
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,448
−HK$727/mo
Today · 4.125%
HK$28,175
baseline
▲ 0.50% · 4.625%
HK$29,660
+HK$1,485/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,350/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,717 · 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).