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$13,256
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,668
−HK$419/mo
Today · 4.125%
HK$14,087
baseline
▲ 0.50% · 4.625%
HK$14,944
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,174/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,747
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,142
−HK$402/mo
Today · 4.125%
HK$15,544
baseline
▲ 0.50% · 4.625%
HK$16,363
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,088/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,907
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,402
−HK$502/mo
Today · 4.125%
HK$16,904
baseline
▲ 0.50% · 4.625%
HK$17,933
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,808/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,696
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,171
−HK$481/mo
Today · 4.125%
HK$18,652
baseline
▲ 0.50% · 4.625%
HK$19,636
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,304/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,558
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,135
−HK$587/mo
Today · 4.125%
HK$19,722
baseline
▲ 0.50% · 4.625%
HK$20,922
+HK$1,200/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,444/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,646
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,199
−HK$562/mo
Today · 4.125%
HK$21,761
baseline
▲ 0.50% · 4.625%
HK$22,908
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,522/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,860
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$754/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,900
+HK$1,543/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,714/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,545
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,256
−HK$723/mo
Today · 4.125%
HK$27,979
baseline
▲ 0.50% · 4.625%
HK$29,453
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,958/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,800 · 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).