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$13,302
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,716
−HK$421/mo
Today · 4.125%
HK$14,137
baseline
▲ 0.50% · 4.625%
HK$14,997
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,274/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,799
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,196
−HK$402/mo
Today · 4.125%
HK$15,598
baseline
▲ 0.50% · 4.625%
HK$16,420
+HK$822/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,196/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,963
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,459
−HK$505/mo
Today · 4.125%
HK$16,964
baseline
▲ 0.50% · 4.625%
HK$17,996
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,928/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,759
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,235
−HK$483/mo
Today · 4.125%
HK$18,718
baseline
▲ 0.50% · 4.625%
HK$19,705
+HK$987/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,436/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,623
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,203
−HK$588/mo
Today · 4.125%
HK$19,791
baseline
▲ 0.50% · 4.625%
HK$20,995
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,582/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,718
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,274
−HK$564/mo
Today · 4.125%
HK$21,838
baseline
▲ 0.50% · 4.625%
HK$22,989
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,676/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,944
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,689
−HK$757/mo
Today · 4.125%
HK$25,446
baseline
▲ 0.50% · 4.625%
HK$26,994
+HK$1,548/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,892/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,638
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,352
−HK$725/mo
Today · 4.125%
HK$28,077
baseline
▲ 0.50% · 4.625%
HK$29,557
+HK$1,480/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,154/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,259 · 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).