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$12,413
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,799
−HK$392/mo
Today · 4.125%
HK$13,191
baseline
▲ 0.50% · 4.625%
HK$13,994
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,382/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,809
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,180
−HK$375/mo
Today · 4.125%
HK$14,555
baseline
▲ 0.50% · 4.625%
HK$15,322
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,110/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,895
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,359
−HK$470/mo
Today · 4.125%
HK$15,829
baseline
▲ 0.50% · 4.625%
HK$16,793
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,658/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,571
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,015
−HK$451/mo
Today · 4.125%
HK$17,466
baseline
▲ 0.50% · 4.625%
HK$18,387
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,932/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,378
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,919
−HK$549/mo
Today · 4.125%
HK$18,468
baseline
▲ 0.50% · 4.625%
HK$19,591
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,936/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,333
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,851
−HK$526/mo
Today · 4.125%
HK$20,377
baseline
▲ 0.50% · 4.625%
HK$21,451
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,754/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,343
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,038
−HK$706/mo
Today · 4.125%
HK$23,744
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,445/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,488/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,856
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,523
−HK$676/mo
Today · 4.125%
HK$26,199
baseline
▲ 0.50% · 4.625%
HK$27,580
+HK$1,381/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,398/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,482 · 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).