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$13,493
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,913
−HK$426/mo
Today · 4.125%
HK$14,339
baseline
▲ 0.50% · 4.625%
HK$15,212
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,678/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,011
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,414
−HK$408/mo
Today · 4.125%
HK$15,822
baseline
▲ 0.50% · 4.625%
HK$16,656
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,644/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,192
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,696
−HK$511/mo
Today · 4.125%
HK$17,207
baseline
▲ 0.50% · 4.625%
HK$18,254
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,414/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,013
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,497
−HK$490/mo
Today · 4.125%
HK$18,987
baseline
▲ 0.50% · 4.625%
HK$19,987
+HK$1,000/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,974/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,891
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,478
−HK$597/mo
Today · 4.125%
HK$20,075
baseline
▲ 0.50% · 4.625%
HK$21,297
+HK$1,222/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,150/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,016
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,579
−HK$572/mo
Today · 4.125%
HK$22,151
baseline
▲ 0.50% · 4.625%
HK$23,319
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,302/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,288
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,043
−HK$768/mo
Today · 4.125%
HK$25,811
baseline
▲ 0.50% · 4.625%
HK$27,382
+HK$1,571/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,622/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,020
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,745
−HK$735/mo
Today · 4.125%
HK$28,480
baseline
▲ 0.50% · 4.625%
HK$29,981
+HK$1,501/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,960/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,143 · 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).