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$13,063
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,469
−HK$413/mo
Today · 4.125%
HK$13,882
baseline
▲ 0.50% · 4.625%
HK$14,727
+HK$845/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,764/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,532
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,922
−HK$395/mo
Today · 4.125%
HK$15,317
baseline
▲ 0.50% · 4.625%
HK$16,125
+HK$808/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,634/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,675
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,163
−HK$495/mo
Today · 4.125%
HK$16,658
baseline
▲ 0.50% · 4.625%
HK$17,672
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,316/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,439
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,906
−HK$475/mo
Today · 4.125%
HK$18,381
baseline
▲ 0.50% · 4.625%
HK$19,350
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,762/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,288
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,857
−HK$578/mo
Today · 4.125%
HK$19,435
baseline
▲ 0.50% · 4.625%
HK$20,617
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,870/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,345
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,891
−HK$553/mo
Today · 4.125%
HK$21,444
baseline
▲ 0.50% · 4.625%
HK$22,574
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,888/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,513
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,244
−HK$743/mo
Today · 4.125%
HK$24,987
baseline
▲ 0.50% · 4.625%
HK$26,508
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,974/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,158
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,859
−HK$712/mo
Today · 4.125%
HK$27,571
baseline
▲ 0.50% · 4.625%
HK$29,024
+HK$1,453/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,142/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,894 · 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).