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$13,035
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,440
−HK$412/mo
Today · 4.125%
HK$13,852
baseline
▲ 0.50% · 4.625%
HK$14,695
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,704/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,501
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,890
−HK$395/mo
Today · 4.125%
HK$15,285
baseline
▲ 0.50% · 4.625%
HK$16,090
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,570/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,642
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,129
−HK$494/mo
Today · 4.125%
HK$16,623
baseline
▲ 0.50% · 4.625%
HK$17,634
+HK$1,011/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,246/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,402
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,868
−HK$474/mo
Today · 4.125%
HK$18,342
baseline
▲ 0.50% · 4.625%
HK$19,309
+HK$967/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,684/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,249
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,817
−HK$576/mo
Today · 4.125%
HK$19,393
baseline
▲ 0.50% · 4.625%
HK$20,573
+HK$1,180/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$38,786/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,302
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,846
−HK$553/mo
Today · 4.125%
HK$21,399
baseline
▲ 0.50% · 4.625%
HK$22,527
+HK$1,128/mo
Deposit HK$1.71M · loan HK$4.00M · min. income ≈ HK$42,798/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,463
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,193
−HK$741/mo
Today · 4.125%
HK$24,934
baseline
▲ 0.50% · 4.625%
HK$26,452
+HK$1,518/mo
Deposit HK$572K · loan HK$5.14M · min. income ≈ HK$49,868/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,102
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,802
−HK$711/mo
Today · 4.125%
HK$27,513
baseline
▲ 0.50% · 4.625%
HK$28,963
+HK$1,450/mo
Deposit HK$572K · loan HK$5.14M · min. income ≈ HK$55,026/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,621 · 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).