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$13,345
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,760
−HK$422/mo
Today · 4.125%
HK$14,182
baseline
▲ 0.50% · 4.625%
HK$15,045
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,364/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,846
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$404/mo
Today · 4.125%
HK$15,648
baseline
▲ 0.50% · 4.625%
HK$16,473
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,296/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,014
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,512
−HK$506/mo
Today · 4.125%
HK$17,018
baseline
▲ 0.50% · 4.625%
HK$18,054
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,036/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,815
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,293
−HK$485/mo
Today · 4.125%
HK$18,778
baseline
▲ 0.50% · 4.625%
HK$19,768
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,556/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,683
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,264
−HK$590/mo
Today · 4.125%
HK$19,854
baseline
▲ 0.50% · 4.625%
HK$21,063
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,708/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,784
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,342
−HK$565/mo
Today · 4.125%
HK$21,907
baseline
▲ 0.50% · 4.625%
HK$23,062
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,814/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,021
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,768
−HK$759/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$27,080
+HK$1,553/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,723
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,440
−HK$727/mo
Today · 4.125%
HK$28,167
baseline
▲ 0.50% · 4.625%
HK$29,651
+HK$1,484/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,334/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,679 · 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).