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$13,030
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,435
−HK$412/mo
Today · 4.125%
HK$13,847
baseline
▲ 0.50% · 4.625%
HK$14,689
+HK$842/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,694/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,495
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,884
−HK$394/mo
Today · 4.125%
HK$15,278
baseline
▲ 0.50% · 4.625%
HK$16,084
+HK$806/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,556/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,636
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,122
−HK$494/mo
Today · 4.125%
HK$16,616
baseline
▲ 0.50% · 4.625%
HK$17,627
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,232/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,394
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,861
−HK$473/mo
Today · 4.125%
HK$18,334
baseline
▲ 0.50% · 4.625%
HK$19,301
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,668/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,241
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$576/mo
Today · 4.125%
HK$19,385
baseline
▲ 0.50% · 4.625%
HK$20,565
+HK$1,180/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,770/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,293
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,838
−HK$552/mo
Today · 4.125%
HK$21,390
baseline
▲ 0.50% · 4.625%
HK$22,517
+HK$1,127/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,780/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,453
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,183
−HK$741/mo
Today · 4.125%
HK$24,924
baseline
▲ 0.50% · 4.625%
HK$26,441
+HK$1,517/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$49,848/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,092
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,791
−HK$710/mo
Today · 4.125%
HK$27,501
baseline
▲ 0.50% · 4.625%
HK$28,951
+HK$1,450/mo
Deposit HK$571K · loan HK$5.14M · min. income ≈ HK$55,002/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,568 · 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).