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$13,637
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,061
−HK$431/mo
Today · 4.125%
HK$14,492
baseline
▲ 0.50% · 4.625%
HK$15,374
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,984/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,171
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,578
−HK$413/mo
Today · 4.125%
HK$15,991
baseline
▲ 0.50% · 4.625%
HK$16,834
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,982/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,364
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,873
−HK$518/mo
Today · 4.125%
HK$17,391
baseline
▲ 0.50% · 4.625%
HK$18,449
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,782/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,205
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,694
−HK$495/mo
Today · 4.125%
HK$19,189
baseline
▲ 0.50% · 4.625%
HK$20,200
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,378/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,092
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,686
−HK$603/mo
Today · 4.125%
HK$20,289
baseline
▲ 0.50% · 4.625%
HK$21,524
+HK$1,235/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,578/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,239
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,809
−HK$578/mo
Today · 4.125%
HK$22,387
baseline
▲ 0.50% · 4.625%
HK$23,567
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,774/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,547
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,310
−HK$776/mo
Today · 4.125%
HK$26,086
baseline
▲ 0.50% · 4.625%
HK$27,673
+HK$1,587/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,172/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,308
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,040
−HK$743/mo
Today · 4.125%
HK$28,783
baseline
▲ 0.50% · 4.625%
HK$30,300
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,566/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,561 · 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).