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$13,334
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,748
−HK$422/mo
Today · 4.125%
HK$14,170
baseline
▲ 0.50% · 4.625%
HK$15,032
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,340/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,834
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,231
−HK$404/mo
Today · 4.125%
HK$15,635
baseline
▲ 0.50% · 4.625%
HK$16,459
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,270/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,000
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,498
−HK$506/mo
Today · 4.125%
HK$17,004
baseline
▲ 0.50% · 4.625%
HK$18,038
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,008/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,800
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,278
−HK$484/mo
Today · 4.125%
HK$18,762
baseline
▲ 0.50% · 4.625%
HK$19,751
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,524/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,667
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,248
−HK$590/mo
Today · 4.125%
HK$19,838
baseline
▲ 0.50% · 4.625%
HK$21,045
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,676/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,767
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,324
−HK$565/mo
Today · 4.125%
HK$21,889
baseline
▲ 0.50% · 4.625%
HK$23,043
+HK$1,154/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,778/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,001
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,747
−HK$759/mo
Today · 4.125%
HK$25,506
baseline
▲ 0.50% · 4.625%
HK$27,058
+HK$1,552/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$51,012/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,700
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,417
−HK$726/mo
Today · 4.125%
HK$28,143
baseline
▲ 0.50% · 4.625%
HK$29,626
+HK$1,483/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,286/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,568 · 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).