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$13,225
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,637
−HK$418/mo
Today · 4.125%
HK$14,055
baseline
▲ 0.50% · 4.625%
HK$14,910
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,110/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,713
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,108
−HK$400/mo
Today · 4.125%
HK$15,508
baseline
▲ 0.50% · 4.625%
HK$16,325
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,016/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,870
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,364
−HK$502/mo
Today · 4.125%
HK$16,866
baseline
▲ 0.50% · 4.625%
HK$17,892
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,732/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,656
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,129
−HK$480/mo
Today · 4.125%
HK$18,609
baseline
▲ 0.50% · 4.625%
HK$19,590
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,218/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,515
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,091
−HK$585/mo
Today · 4.125%
HK$19,676
baseline
▲ 0.50% · 4.625%
HK$20,874
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,352/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,598
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,151
−HK$560/mo
Today · 4.125%
HK$21,711
baseline
▲ 0.50% · 4.625%
HK$22,855
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,422/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,806
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,546
−HK$752/mo
Today · 4.125%
HK$25,298
baseline
▲ 0.50% · 4.625%
HK$26,838
+HK$1,540/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,596/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,483
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,194
−HK$720/mo
Today · 4.125%
HK$27,914
baseline
▲ 0.50% · 4.625%
HK$29,386
+HK$1,472/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,828/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,498 · 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).