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$13,425
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,843
−HK$424/mo
Today · 4.125%
HK$14,267
baseline
▲ 0.50% · 4.625%
HK$15,135
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,534/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,936
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,336
−HK$407/mo
Today · 4.125%
HK$15,743
baseline
▲ 0.50% · 4.625%
HK$16,572
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,486/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,110
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,612
−HK$509/mo
Today · 4.125%
HK$17,121
baseline
▲ 0.50% · 4.625%
HK$18,162
+HK$1,041/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,242/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,923
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,403
−HK$488/mo
Today · 4.125%
HK$18,891
baseline
▲ 0.50% · 4.625%
HK$19,887
+HK$996/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,782/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,796
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,380
−HK$594/mo
Today · 4.125%
HK$19,974
baseline
▲ 0.50% · 4.625%
HK$21,190
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,948/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,910
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,471
−HK$569/mo
Today · 4.125%
HK$22,040
baseline
▲ 0.50% · 4.625%
HK$23,201
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,080/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,166
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,917
−HK$764/mo
Today · 4.125%
HK$25,681
baseline
▲ 0.50% · 4.625%
HK$27,244
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,362/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,884
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,605
−HK$732/mo
Today · 4.125%
HK$28,337
baseline
▲ 0.50% · 4.625%
HK$29,830
+HK$1,493/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,674/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,473 · 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).