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$13,291
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,705
−HK$420/mo
Today · 4.125%
HK$14,125
baseline
▲ 0.50% · 4.625%
HK$14,984
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,250/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,786
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,183
−HK$402/mo
Today · 4.125%
HK$15,585
baseline
▲ 0.50% · 4.625%
HK$16,407
+HK$822/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,170/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,949
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,446
−HK$504/mo
Today · 4.125%
HK$16,950
baseline
▲ 0.50% · 4.625%
HK$17,981
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,900/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,744
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,220
−HK$482/mo
Today · 4.125%
HK$18,702
baseline
▲ 0.50% · 4.625%
HK$19,688
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,404/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,608
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,187
−HK$588/mo
Today · 4.125%
HK$19,775
baseline
▲ 0.50% · 4.625%
HK$20,978
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,550/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,701
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,256
−HK$563/mo
Today · 4.125%
HK$21,819
baseline
▲ 0.50% · 4.625%
HK$22,969
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,638/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,924
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,668
−HK$756/mo
Today · 4.125%
HK$25,424
baseline
▲ 0.50% · 4.625%
HK$26,972
+HK$1,548/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,848/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,615
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,329
−HK$724/mo
Today · 4.125%
HK$28,053
baseline
▲ 0.50% · 4.625%
HK$29,532
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,106/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,149 · 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).