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$13,529
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,950
−HK$428/mo
Today · 4.125%
HK$14,378
baseline
▲ 0.50% · 4.625%
HK$15,253
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,756/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,051
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,455
−HK$409/mo
Today · 4.125%
HK$15,864
baseline
▲ 0.50% · 4.625%
HK$16,701
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,728/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,235
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,740
−HK$513/mo
Today · 4.125%
HK$17,253
baseline
▲ 0.50% · 4.625%
HK$18,303
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,506/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,061
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,546
−HK$491/mo
Today · 4.125%
HK$19,037
baseline
▲ 0.50% · 4.625%
HK$20,041
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,074/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,941
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,530
−HK$599/mo
Today · 4.125%
HK$20,129
baseline
▲ 0.50% · 4.625%
HK$21,354
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,258/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,072
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,637
−HK$573/mo
Today · 4.125%
HK$22,210
baseline
▲ 0.50% · 4.625%
HK$23,381
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,420/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,353
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,110
−HK$770/mo
Today · 4.125%
HK$25,880
baseline
▲ 0.50% · 4.625%
HK$27,455
+HK$1,575/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,760/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,092
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,819
−HK$737/mo
Today · 4.125%
HK$28,556
baseline
▲ 0.50% · 4.625%
HK$30,061
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,112/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,498 · 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).