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$13,165
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,574
−HK$416/mo
Today · 4.125%
HK$13,990
baseline
▲ 0.50% · 4.625%
HK$14,842
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,980/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,646
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,039
−HK$398/mo
Today · 4.125%
HK$15,437
baseline
▲ 0.50% · 4.625%
HK$16,251
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,874/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,798
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,289
−HK$499/mo
Today · 4.125%
HK$16,788
baseline
▲ 0.50% · 4.625%
HK$17,810
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,576/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,575
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,046
−HK$478/mo
Today · 4.125%
HK$18,524
baseline
▲ 0.50% · 4.625%
HK$19,501
+HK$977/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,048/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,431
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,004
−HK$583/mo
Today · 4.125%
HK$19,587
baseline
▲ 0.50% · 4.625%
HK$20,778
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,174/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,504
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$558/mo
Today · 4.125%
HK$21,612
baseline
▲ 0.50% · 4.625%
HK$22,751
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,224/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,697
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,434
−HK$749/mo
Today · 4.125%
HK$25,183
baseline
▲ 0.50% · 4.625%
HK$26,715
+HK$1,532/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$50,366/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,362
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,069
−HK$718/mo
Today · 4.125%
HK$27,787
baseline
▲ 0.50% · 4.625%
HK$29,251
+HK$1,464/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$55,574/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,902 · 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).