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$12,250
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,631
−HK$387/mo
Today · 4.125%
HK$13,018
baseline
▲ 0.50% · 4.625%
HK$13,810
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,036/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,628
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,993
−HK$371/mo
Today · 4.125%
HK$14,364
baseline
▲ 0.50% · 4.625%
HK$15,121
+HK$757/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,728/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,700
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,157
−HK$465/mo
Today · 4.125%
HK$15,622
baseline
▲ 0.50% · 4.625%
HK$16,572
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,244/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,353
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$445/mo
Today · 4.125%
HK$17,237
baseline
▲ 0.50% · 4.625%
HK$18,146
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,474/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,150
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,683
−HK$542/mo
Today · 4.125%
HK$18,225
baseline
▲ 0.50% · 4.625%
HK$19,334
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,450/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,079
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,591
−HK$519/mo
Today · 4.125%
HK$20,110
baseline
▲ 0.50% · 4.625%
HK$21,170
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,220/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,050
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,736
−HK$696/mo
Today · 4.125%
HK$23,432
baseline
▲ 0.50% · 4.625%
HK$24,858
+HK$1,426/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,864/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,530
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,188
−HK$667/mo
Today · 4.125%
HK$25,855
baseline
▲ 0.50% · 4.625%
HK$27,218
+HK$1,363/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,710/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,874 · 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).