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$13,125
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,533
−HK$415/mo
Today · 4.125%
HK$13,948
baseline
▲ 0.50% · 4.625%
HK$14,797
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,896/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,601
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,993
−HK$397/mo
Today · 4.125%
HK$15,390
baseline
▲ 0.50% · 4.625%
HK$16,202
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,780/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,750
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,240
−HK$498/mo
Today · 4.125%
HK$16,738
baseline
▲ 0.50% · 4.625%
HK$17,756
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,476/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,522
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,992
−HK$476/mo
Today · 4.125%
HK$18,468
baseline
▲ 0.50% · 4.625%
HK$19,442
+HK$974/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,936/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,375
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,947
−HK$580/mo
Today · 4.125%
HK$19,527
baseline
▲ 0.50% · 4.625%
HK$20,716
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,054/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,442
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,990
−HK$556/mo
Today · 4.125%
HK$21,546
baseline
▲ 0.50% · 4.625%
HK$22,682
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,092/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,625
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,360
−HK$747/mo
Today · 4.125%
HK$25,107
baseline
▲ 0.50% · 4.625%
HK$26,634
+HK$1,527/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,214/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,283
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,988
−HK$715/mo
Today · 4.125%
HK$27,703
baseline
▲ 0.50% · 4.625%
HK$29,163
+HK$1,460/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,406/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,509 · 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).