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$13,489
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,909
−HK$426/mo
Today · 4.125%
HK$14,335
baseline
▲ 0.50% · 4.625%
HK$15,207
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,670/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,007
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,409
−HK$408/mo
Today · 4.125%
HK$15,817
baseline
▲ 0.50% · 4.625%
HK$16,651
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,634/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,187
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,690
−HK$512/mo
Today · 4.125%
HK$17,202
baseline
▲ 0.50% · 4.625%
HK$18,249
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,404/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,008
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,491
−HK$490/mo
Today · 4.125%
HK$18,981
baseline
▲ 0.50% · 4.625%
HK$19,981
+HK$1,000/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,962/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,885
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,472
−HK$597/mo
Today · 4.125%
HK$20,069
baseline
▲ 0.50% · 4.625%
HK$21,290
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,138/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,009
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,573
−HK$571/mo
Today · 4.125%
HK$22,144
baseline
▲ 0.50% · 4.625%
HK$23,311
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,288/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,280
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,036
−HK$767/mo
Today · 4.125%
HK$25,803
baseline
▲ 0.50% · 4.625%
HK$27,373
+HK$1,570/mo
Deposit HK$592K · loan HK$5.32M · min. income ≈ HK$51,606/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,012
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,736
−HK$735/mo
Today · 4.125%
HK$28,471
baseline
▲ 0.50% · 4.625%
HK$29,972
+HK$1,501/mo
Deposit HK$592K · loan HK$5.32M · min. income ≈ HK$56,942/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,102 · 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).