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$13,555
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,976
−HK$428/mo
Today · 4.125%
HK$14,404
baseline
▲ 0.50% · 4.625%
HK$15,281
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,808/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,079
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,484
−HK$410/mo
Today · 4.125%
HK$15,894
baseline
▲ 0.50% · 4.625%
HK$16,732
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,788/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,265
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,771
−HK$514/mo
Today · 4.125%
HK$17,285
baseline
▲ 0.50% · 4.625%
HK$18,337
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,570/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,095
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,580
−HK$493/mo
Today · 4.125%
HK$19,073
baseline
▲ 0.50% · 4.625%
HK$20,078
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,146/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,976
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$599/mo
Today · 4.125%
HK$20,166
baseline
▲ 0.50% · 4.625%
HK$21,393
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,332/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,111
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,677
−HK$575/mo
Today · 4.125%
HK$22,252
baseline
▲ 0.50% · 4.625%
HK$23,424
+HK$1,172/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,504/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,398
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,157
−HK$771/mo
Today · 4.125%
HK$25,928
baseline
▲ 0.50% · 4.625%
HK$27,506
+HK$1,578/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,856/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,143
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,871
−HK$738/mo
Today · 4.125%
HK$28,609
baseline
▲ 0.50% · 4.625%
HK$30,117
+HK$1,508/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,218/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,747 · 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).