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$13,497
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,916
−HK$427/mo
Today · 4.125%
HK$14,343
baseline
▲ 0.50% · 4.625%
HK$15,216
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,686/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,015
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,417
−HK$409/mo
Today · 4.125%
HK$15,826
baseline
▲ 0.50% · 4.625%
HK$16,660
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,652/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,196
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,700
−HK$511/mo
Today · 4.125%
HK$17,211
baseline
▲ 0.50% · 4.625%
HK$18,259
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,422/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,018
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,501
−HK$490/mo
Today · 4.125%
HK$18,991
baseline
▲ 0.50% · 4.625%
HK$19,992
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,982/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,895
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,483
−HK$597/mo
Today · 4.125%
HK$20,080
baseline
▲ 0.50% · 4.625%
HK$21,302
+HK$1,222/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,160/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,021
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,584
−HK$572/mo
Today · 4.125%
HK$22,156
baseline
▲ 0.50% · 4.625%
HK$23,324
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,312/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,294
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,049
−HK$768/mo
Today · 4.125%
HK$25,817
baseline
▲ 0.50% · 4.625%
HK$27,388
+HK$1,571/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,634/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,027
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,751
−HK$736/mo
Today · 4.125%
HK$28,487
baseline
▲ 0.50% · 4.625%
HK$29,988
+HK$1,501/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,974/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,175 · 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).