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$13,164
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,573
−HK$416/mo
Today · 4.125%
HK$13,989
baseline
▲ 0.50% · 4.625%
HK$14,841
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,978/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,645
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,038
−HK$398/mo
Today · 4.125%
HK$15,436
baseline
▲ 0.50% · 4.625%
HK$16,250
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,872/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,797
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,288
−HK$499/mo
Today · 4.125%
HK$16,787
baseline
▲ 0.50% · 4.625%
HK$17,809
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,574/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,574
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,045
−HK$478/mo
Today · 4.125%
HK$18,523
baseline
▲ 0.50% · 4.625%
HK$19,500
+HK$977/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,046/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,430
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$19,003
−HK$582/mo
Today · 4.125%
HK$19,585
baseline
▲ 0.50% · 4.625%
HK$20,777
+HK$1,192/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,170/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,503
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,053
−HK$557/mo
Today · 4.125%
HK$21,610
baseline
▲ 0.50% · 4.625%
HK$22,749
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,220/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,695
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,432
−HK$749/mo
Today · 4.125%
HK$25,181
baseline
▲ 0.50% · 4.625%
HK$26,713
+HK$1,532/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$50,362/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,361
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,068
−HK$717/mo
Today · 4.125%
HK$27,785
baseline
▲ 0.50% · 4.625%
HK$29,249
+HK$1,464/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$55,570/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,893 · 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).