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$13,290
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,703
−HK$420/mo
Today · 4.125%
HK$14,123
baseline
▲ 0.50% · 4.625%
HK$14,982
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,246/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,785
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,181
−HK$402/mo
Today · 4.125%
HK$15,583
baseline
▲ 0.50% · 4.625%
HK$16,405
+HK$822/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,166/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,947
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,444
−HK$504/mo
Today · 4.125%
HK$16,948
baseline
▲ 0.50% · 4.625%
HK$17,979
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,896/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,741
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,217
−HK$483/mo
Today · 4.125%
HK$18,700
baseline
▲ 0.50% · 4.625%
HK$19,686
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,400/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,605
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,184
−HK$588/mo
Today · 4.125%
HK$19,772
baseline
▲ 0.50% · 4.625%
HK$20,975
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,544/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,698
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,253
−HK$564/mo
Today · 4.125%
HK$21,817
baseline
▲ 0.50% · 4.625%
HK$22,967
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,634/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,921
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,665
−HK$756/mo
Today · 4.125%
HK$25,421
baseline
▲ 0.50% · 4.625%
HK$26,968
+HK$1,547/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,842/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,612
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,326
−HK$724/mo
Today · 4.125%
HK$28,050
baseline
▲ 0.50% · 4.625%
HK$29,528
+HK$1,478/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,100/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,133 · 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).