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$13,443
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,861
−HK$425/mo
Today · 4.125%
HK$14,286
baseline
▲ 0.50% · 4.625%
HK$15,155
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,572/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,955
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,356
−HK$407/mo
Today · 4.125%
HK$15,763
baseline
▲ 0.50% · 4.625%
HK$16,594
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,526/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,131
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,633
−HK$510/mo
Today · 4.125%
HK$17,143
baseline
▲ 0.50% · 4.625%
HK$18,186
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,286/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,946
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,427
−HK$489/mo
Today · 4.125%
HK$18,916
baseline
▲ 0.50% · 4.625%
HK$19,913
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,832/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,820
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,405
−HK$595/mo
Today · 4.125%
HK$20,000
baseline
▲ 0.50% · 4.625%
HK$21,217
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,000/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,937
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,499
−HK$569/mo
Today · 4.125%
HK$22,068
baseline
▲ 0.50% · 4.625%
HK$23,232
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,136/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,197
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,950
−HK$765/mo
Today · 4.125%
HK$25,715
baseline
▲ 0.50% · 4.625%
HK$27,279
+HK$1,564/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,430/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,919
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,641
−HK$733/mo
Today · 4.125%
HK$28,374
baseline
▲ 0.50% · 4.625%
HK$29,869
+HK$1,495/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,748/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,646 · 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).