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$13,444
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,862
−HK$425/mo
Today · 4.125%
HK$14,287
baseline
▲ 0.50% · 4.625%
HK$15,157
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,574/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,956
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,358
−HK$407/mo
Today · 4.125%
HK$15,765
baseline
▲ 0.50% · 4.625%
HK$16,596
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,530/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,133
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,635
−HK$510/mo
Today · 4.125%
HK$17,145
baseline
▲ 0.50% · 4.625%
HK$18,188
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,290/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,948
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,429
−HK$488/mo
Today · 4.125%
HK$18,917
baseline
▲ 0.50% · 4.625%
HK$19,915
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,834/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,822
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,407
−HK$595/mo
Today · 4.125%
HK$20,002
baseline
▲ 0.50% · 4.625%
HK$21,219
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,004/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,939
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,501
−HK$569/mo
Today · 4.125%
HK$22,070
baseline
▲ 0.50% · 4.625%
HK$23,234
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,140/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,199
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,952
−HK$765/mo
Today · 4.125%
HK$25,717
baseline
▲ 0.50% · 4.625%
HK$27,282
+HK$1,565/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,434/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,922
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,644
−HK$732/mo
Today · 4.125%
HK$28,376
baseline
▲ 0.50% · 4.625%
HK$29,872
+HK$1,496/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,752/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,658 · 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).