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$13,380
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,796
−HK$423/mo
Today · 4.125%
HK$14,219
baseline
▲ 0.50% · 4.625%
HK$15,084
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,438/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,885
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,284
−HK$405/mo
Today · 4.125%
HK$15,689
baseline
▲ 0.50% · 4.625%
HK$16,516
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,378/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,056
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,555
−HK$507/mo
Today · 4.125%
HK$17,062
baseline
▲ 0.50% · 4.625%
HK$18,101
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,124/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,862
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,341
−HK$486/mo
Today · 4.125%
HK$18,827
baseline
▲ 0.50% · 4.625%
HK$19,819
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,654/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,731
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,314
−HK$592/mo
Today · 4.125%
HK$19,906
baseline
▲ 0.50% · 4.625%
HK$21,117
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,812/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,839
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,397
−HK$567/mo
Today · 4.125%
HK$21,964
baseline
▲ 0.50% · 4.625%
HK$23,122
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,928/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,083
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,832
−HK$762/mo
Today · 4.125%
HK$25,594
baseline
▲ 0.50% · 4.625%
HK$27,151
+HK$1,557/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,188/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,792
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,511
−HK$729/mo
Today · 4.125%
HK$28,240
baseline
▲ 0.50% · 4.625%
HK$29,728
+HK$1,488/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,480/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,021 · 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).