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$13,293
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,707
−HK$420/mo
Today · 4.125%
HK$14,127
baseline
▲ 0.50% · 4.625%
HK$14,986
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,254/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,788
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,185
−HK$402/mo
Today · 4.125%
HK$15,587
baseline
▲ 0.50% · 4.625%
HK$16,409
+HK$822/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,174/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,952
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,448
−HK$504/mo
Today · 4.125%
HK$16,952
baseline
▲ 0.50% · 4.625%
HK$17,984
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,904/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,746
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,222
−HK$483/mo
Today · 4.125%
HK$18,705
baseline
▲ 0.50% · 4.625%
HK$19,691
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,410/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,610
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,189
−HK$588/mo
Today · 4.125%
HK$19,777
baseline
▲ 0.50% · 4.625%
HK$20,981
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,554/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,704
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,259
−HK$563/mo
Today · 4.125%
HK$21,822
baseline
▲ 0.50% · 4.625%
HK$22,973
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,644/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,928
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,672
−HK$756/mo
Today · 4.125%
HK$25,428
baseline
▲ 0.50% · 4.625%
HK$26,975
+HK$1,547/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,856/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,619
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,333
−HK$724/mo
Today · 4.125%
HK$28,057
baseline
▲ 0.50% · 4.625%
HK$29,536
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,114/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,168 · 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).