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$12,806
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,204
−HK$405/mo
Today · 4.125%
HK$13,609
baseline
▲ 0.50% · 4.625%
HK$14,437
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,218/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,247
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$387/mo
Today · 4.125%
HK$15,016
baseline
▲ 0.50% · 4.625%
HK$15,808
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,032/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,367
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,845
−HK$486/mo
Today · 4.125%
HK$16,331
baseline
▲ 0.50% · 4.625%
HK$17,325
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,662/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,096
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,554
−HK$466/mo
Today · 4.125%
HK$18,020
baseline
▲ 0.50% · 4.625%
HK$18,969
+HK$949/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,040/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,928
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$567/mo
Today · 4.125%
HK$19,053
baseline
▲ 0.50% · 4.625%
HK$20,212
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,106/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,945
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,480
−HK$543/mo
Today · 4.125%
HK$21,023
baseline
▲ 0.50% · 4.625%
HK$22,131
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,046/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,051
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,768
−HK$728/mo
Today · 4.125%
HK$24,496
baseline
▲ 0.50% · 4.625%
HK$25,987
+HK$1,491/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$48,992/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,644
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,332
−HK$697/mo
Today · 4.125%
HK$27,029
baseline
▲ 0.50% · 4.625%
HK$28,454
+HK$1,425/mo
Deposit HK$562K · loan HK$5.05M · min. income ≈ HK$54,058/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,362 · 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).