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$13,072
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$413/mo
Today · 4.125%
HK$13,891
baseline
▲ 0.50% · 4.625%
HK$14,737
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,782/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$128,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,542
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,932
−HK$396/mo
Today · 4.125%
HK$15,328
baseline
▲ 0.50% · 4.625%
HK$16,136
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,656/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$128,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,686
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,174
−HK$496/mo
Today · 4.125%
HK$16,670
baseline
▲ 0.50% · 4.625%
HK$17,684
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,340/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,451
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,919
−HK$474/mo
Today · 4.125%
HK$18,393
baseline
▲ 0.50% · 4.625%
HK$19,363
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,786/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,300
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,870
−HK$578/mo
Today · 4.125%
HK$19,448
baseline
▲ 0.50% · 4.625%
HK$20,631
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,896/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,359
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,905
−HK$554/mo
Today · 4.125%
HK$21,459
baseline
▲ 0.50% · 4.625%
HK$22,590
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,918/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,529
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,261
−HK$743/mo
Today · 4.125%
HK$25,004
baseline
▲ 0.50% · 4.625%
HK$26,526
+HK$1,522/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,008/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,176
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,878
−HK$712/mo
Today · 4.125%
HK$27,590
baseline
▲ 0.50% · 4.625%
HK$29,044
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,180/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,983 · 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).