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$13,039
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,445
−HK$412/mo
Today · 4.125%
HK$13,857
baseline
▲ 0.50% · 4.625%
HK$14,700
+HK$843/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,714/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,506
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,895
−HK$395/mo
Today · 4.125%
HK$15,290
baseline
▲ 0.50% · 4.625%
HK$16,095
+HK$805/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,580/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,647
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,134
−HK$494/mo
Today · 4.125%
HK$16,628
baseline
▲ 0.50% · 4.625%
HK$17,640
+HK$1,012/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,256/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,407
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,874
−HK$473/mo
Today · 4.125%
HK$18,347
baseline
▲ 0.50% · 4.625%
HK$19,315
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,694/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,255
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,823
−HK$576/mo
Today · 4.125%
HK$19,399
baseline
▲ 0.50% · 4.625%
HK$20,580
+HK$1,181/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$38,798/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,308
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,853
−HK$552/mo
Today · 4.125%
HK$21,405
baseline
▲ 0.50% · 4.625%
HK$22,534
+HK$1,129/mo
Deposit HK$1.72M · loan HK$4.00M · min. income ≈ HK$42,810/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,470
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,200
−HK$742/mo
Today · 4.125%
HK$24,942
baseline
▲ 0.50% · 4.625%
HK$26,460
+HK$1,518/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,884/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,111
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,811
−HK$710/mo
Today · 4.125%
HK$27,521
baseline
▲ 0.50% · 4.625%
HK$28,972
+HK$1,451/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,042/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$128,661 · 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).