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$13,535
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,956
−HK$428/mo
Today · 4.125%
HK$14,384
baseline
▲ 0.50% · 4.625%
HK$15,259
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,768/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,058
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,462
−HK$409/mo
Today · 4.125%
HK$15,871
baseline
▲ 0.50% · 4.625%
HK$16,708
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,742/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,242
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,747
−HK$514/mo
Today · 4.125%
HK$17,261
baseline
▲ 0.50% · 4.625%
HK$18,311
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,522/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,069
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,554
−HK$491/mo
Today · 4.125%
HK$19,045
baseline
▲ 0.50% · 4.625%
HK$20,049
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,090/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,949
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,539
−HK$598/mo
Today · 4.125%
HK$20,137
baseline
▲ 0.50% · 4.625%
HK$21,363
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,274/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,081
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,646
−HK$574/mo
Today · 4.125%
HK$22,220
baseline
▲ 0.50% · 4.625%
HK$23,391
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,440/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,363
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,121
−HK$770/mo
Today · 4.125%
HK$25,891
baseline
▲ 0.50% · 4.625%
HK$27,466
+HK$1,575/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,782/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,104
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,831
−HK$737/mo
Today · 4.125%
HK$28,568
baseline
▲ 0.50% · 4.625%
HK$30,074
+HK$1,506/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$57,136/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,556 · 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).