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$13,600
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,023
−HK$430/mo
Today · 4.125%
HK$14,453
baseline
▲ 0.50% · 4.625%
HK$15,332
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,906/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,130
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,536
−HK$411/mo
Today · 4.125%
HK$15,947
baseline
▲ 0.50% · 4.625%
HK$16,788
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,894/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,320
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,828
−HK$516/mo
Today · 4.125%
HK$17,344
baseline
▲ 0.50% · 4.625%
HK$18,399
+HK$1,055/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,688/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,156
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,643
−HK$494/mo
Today · 4.125%
HK$19,137
baseline
▲ 0.50% · 4.625%
HK$20,146
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,274/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,040
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,632
−HK$602/mo
Today · 4.125%
HK$20,234
baseline
▲ 0.50% · 4.625%
HK$21,465
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,468/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,182
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,750
−HK$576/mo
Today · 4.125%
HK$22,326
baseline
▲ 0.50% · 4.625%
HK$23,503
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,652/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,480
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,242
−HK$773/mo
Today · 4.125%
HK$26,015
baseline
▲ 0.50% · 4.625%
HK$27,598
+HK$1,583/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,030/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,234
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,964
−HK$741/mo
Today · 4.125%
HK$28,705
baseline
▲ 0.50% · 4.625%
HK$30,218
+HK$1,513/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,410/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,197 · 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).