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$13,399
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,815
−HK$424/mo
Today · 4.125%
HK$14,239
baseline
▲ 0.50% · 4.625%
HK$15,105
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,478/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,906
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,306
−HK$405/mo
Today · 4.125%
HK$15,711
baseline
▲ 0.50% · 4.625%
HK$16,539
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,422/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,078
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,578
−HK$509/mo
Today · 4.125%
HK$17,087
baseline
▲ 0.50% · 4.625%
HK$18,126
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,174/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,887
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,367
−HK$486/mo
Today · 4.125%
HK$18,853
baseline
▲ 0.50% · 4.625%
HK$19,847
+HK$994/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,706/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,758
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,342
−HK$592/mo
Today · 4.125%
HK$19,934
baseline
▲ 0.50% · 4.625%
HK$21,147
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,868/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,868
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,428
−HK$568/mo
Today · 4.125%
HK$21,996
baseline
▲ 0.50% · 4.625%
HK$23,155
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,992/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,117
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,868
−HK$762/mo
Today · 4.125%
HK$25,630
baseline
▲ 0.50% · 4.625%
HK$27,189
+HK$1,559/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,260/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,830
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,550
−HK$730/mo
Today · 4.125%
HK$28,280
baseline
▲ 0.50% · 4.625%
HK$29,771
+HK$1,491/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,560/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,209 · 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).