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$12,506
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,895
−HK$395/mo
Today · 4.125%
HK$13,290
baseline
▲ 0.50% · 4.625%
HK$14,099
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,580/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,913
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,286
−HK$379/mo
Today · 4.125%
HK$14,665
baseline
▲ 0.50% · 4.625%
HK$15,438
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,330/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,007
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,474
−HK$474/mo
Today · 4.125%
HK$15,948
baseline
▲ 0.50% · 4.625%
HK$16,919
+HK$971/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,896/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,695
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,143
−HK$454/mo
Today · 4.125%
HK$17,597
baseline
▲ 0.50% · 4.625%
HK$18,525
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,194/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,508
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,053
−HK$553/mo
Today · 4.125%
HK$18,606
baseline
▲ 0.50% · 4.625%
HK$19,739
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,212/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,478
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,000
−HK$530/mo
Today · 4.125%
HK$20,530
baseline
▲ 0.50% · 4.625%
HK$21,613
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,060/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,511
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,211
−HK$712/mo
Today · 4.125%
HK$23,923
baseline
▲ 0.50% · 4.625%
HK$25,378
+HK$1,455/mo
Deposit HK$548K · loan HK$4.94M · min. income ≈ HK$47,846/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,043
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,715
−HK$681/mo
Today · 4.125%
HK$26,396
baseline
▲ 0.50% · 4.625%
HK$27,788
+HK$1,392/mo
Deposit HK$548K · loan HK$4.94M · min. income ≈ HK$52,792/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,402 · 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).