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$13,068
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,474
−HK$413/mo
Today · 4.125%
HK$13,887
baseline
▲ 0.50% · 4.625%
HK$14,732
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,774/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,538
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,928
−HK$395/mo
Today · 4.125%
HK$15,323
baseline
▲ 0.50% · 4.625%
HK$16,131
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,646/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,681
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,169
−HK$496/mo
Today · 4.125%
HK$16,665
baseline
▲ 0.50% · 4.625%
HK$17,679
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,330/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,445
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,913
−HK$475/mo
Today · 4.125%
HK$18,388
baseline
▲ 0.50% · 4.625%
HK$19,357
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,776/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,295
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,864
−HK$578/mo
Today · 4.125%
HK$19,442
baseline
▲ 0.50% · 4.625%
HK$20,625
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,884/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,353
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,899
−HK$553/mo
Today · 4.125%
HK$21,452
baseline
▲ 0.50% · 4.625%
HK$22,583
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,904/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,522
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,253
−HK$744/mo
Today · 4.125%
HK$24,997
baseline
▲ 0.50% · 4.625%
HK$26,518
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,994/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,168
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,870
−HK$712/mo
Today · 4.125%
HK$27,582
baseline
▲ 0.50% · 4.625%
HK$29,035
+HK$1,453/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,164/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,943 · 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).