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$12,994
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,399
−HK$410/mo
Today · 4.125%
HK$13,809
baseline
▲ 0.50% · 4.625%
HK$14,649
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,618/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,456
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,844
−HK$393/mo
Today · 4.125%
HK$15,237
baseline
▲ 0.50% · 4.625%
HK$16,040
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,474/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,593
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,078
−HK$493/mo
Today · 4.125%
HK$16,571
baseline
▲ 0.50% · 4.625%
HK$17,579
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,142/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,347
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,813
−HK$472/mo
Today · 4.125%
HK$18,285
baseline
▲ 0.50% · 4.625%
HK$19,248
+HK$963/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,570/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,192
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,758
−HK$575/mo
Today · 4.125%
HK$19,333
baseline
▲ 0.50% · 4.625%
HK$20,509
+HK$1,176/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,666/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,239
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,781
−HK$551/mo
Today · 4.125%
HK$21,332
baseline
▲ 0.50% · 4.625%
HK$22,456
+HK$1,124/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,664/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,390
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,117
−HK$740/mo
Today · 4.125%
HK$24,857
baseline
▲ 0.50% · 4.625%
HK$26,369
+HK$1,512/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,714/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,021
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,719
−HK$708/mo
Today · 4.125%
HK$27,427
baseline
▲ 0.50% · 4.625%
HK$28,873
+HK$1,446/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,854/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,220 · 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).