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$13,583
−HK$851/mo
▼ 0.25% · 3.875%
HK$14,005
−HK$429/mo
Today · 4.125%
HK$14,434
baseline
▲ 0.50% · 4.625%
HK$15,313
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,868/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,111
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,516
−HK$411/mo
Today · 4.125%
HK$15,927
baseline
▲ 0.50% · 4.625%
HK$16,767
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,854/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,299
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,806
−HK$515/mo
Today · 4.125%
HK$17,321
baseline
▲ 0.50% · 4.625%
HK$18,375
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,642/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,133
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,619
−HK$493/mo
Today · 4.125%
HK$19,112
baseline
▲ 0.50% · 4.625%
HK$20,120
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,224/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,016
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,607
−HK$601/mo
Today · 4.125%
HK$20,208
baseline
▲ 0.50% · 4.625%
HK$21,438
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,416/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,155
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,722
−HK$576/mo
Today · 4.125%
HK$22,298
baseline
▲ 0.50% · 4.625%
HK$23,473
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,596/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,449
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,209
−HK$773/mo
Today · 4.125%
HK$25,982
baseline
▲ 0.50% · 4.625%
HK$27,563
+HK$1,581/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,964/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,199
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,929
−HK$740/mo
Today · 4.125%
HK$28,669
baseline
▲ 0.50% · 4.625%
HK$30,180
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,338/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,025 · 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).