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$13,007
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,411
−HK$412/mo
Today · 4.125%
HK$13,823
baseline
▲ 0.50% · 4.625%
HK$14,664
+HK$841/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,646/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,470
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,858
−HK$394/mo
Today · 4.125%
HK$15,252
baseline
▲ 0.50% · 4.625%
HK$16,056
+HK$804/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,504/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,608
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,094
−HK$493/mo
Today · 4.125%
HK$16,587
baseline
▲ 0.50% · 4.625%
HK$17,596
+HK$1,009/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,174/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,364
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,830
−HK$472/mo
Today · 4.125%
HK$18,302
baseline
▲ 0.50% · 4.625%
HK$19,267
+HK$965/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,604/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,210
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,776
−HK$576/mo
Today · 4.125%
HK$19,352
baseline
▲ 0.50% · 4.625%
HK$20,529
+HK$1,177/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,704/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,258
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,801
−HK$552/mo
Today · 4.125%
HK$21,353
baseline
▲ 0.50% · 4.625%
HK$22,478
+HK$1,125/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,706/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,412
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,141
−HK$740/mo
Today · 4.125%
HK$24,881
baseline
▲ 0.50% · 4.625%
HK$26,395
+HK$1,514/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,762/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,046
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$708/mo
Today · 4.125%
HK$27,453
baseline
▲ 0.50% · 4.625%
HK$28,900
+HK$1,447/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,906/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$128,344 · 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).