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$13,223
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,634
−HK$418/mo
Today · 4.125%
HK$14,052
baseline
▲ 0.50% · 4.625%
HK$14,907
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,104/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,710
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,105
−HK$400/mo
Today · 4.125%
HK$15,505
baseline
▲ 0.50% · 4.625%
HK$16,322
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,010/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,868
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,361
−HK$502/mo
Today · 4.125%
HK$16,863
baseline
▲ 0.50% · 4.625%
HK$17,889
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,726/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,652
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,126
−HK$480/mo
Today · 4.125%
HK$18,606
baseline
▲ 0.50% · 4.625%
HK$19,587
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,212/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,512
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,088
−HK$585/mo
Today · 4.125%
HK$19,673
baseline
▲ 0.50% · 4.625%
HK$20,870
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,346/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,595
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,147
−HK$560/mo
Today · 4.125%
HK$21,707
baseline
▲ 0.50% · 4.625%
HK$22,851
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,414/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,801
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,542
−HK$752/mo
Today · 4.125%
HK$25,294
baseline
▲ 0.50% · 4.625%
HK$26,833
+HK$1,539/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,588/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,479
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,189
−HK$720/mo
Today · 4.125%
HK$27,909
baseline
▲ 0.50% · 4.625%
HK$29,380
+HK$1,471/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,818/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,475 · 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).