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$12,947
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,350
−HK$409/mo
Today · 4.125%
HK$13,759
baseline
▲ 0.50% · 4.625%
HK$14,596
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,518/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,404
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,790
−HK$392/mo
Today · 4.125%
HK$15,182
baseline
▲ 0.50% · 4.625%
HK$15,982
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,364/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,537
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,020
−HK$491/mo
Today · 4.125%
HK$16,511
baseline
▲ 0.50% · 4.625%
HK$17,516
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,022/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,284
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,748
−HK$470/mo
Today · 4.125%
HK$18,218
baseline
▲ 0.50% · 4.625%
HK$19,178
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,436/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,126
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,690
−HK$573/mo
Today · 4.125%
HK$19,263
baseline
▲ 0.50% · 4.625%
HK$20,435
+HK$1,172/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,526/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,165
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,706
−HK$549/mo
Today · 4.125%
HK$21,255
baseline
▲ 0.50% · 4.625%
HK$22,375
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,510/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,305
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,030
−HK$736/mo
Today · 4.125%
HK$24,766
baseline
▲ 0.50% · 4.625%
HK$26,273
+HK$1,507/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,532/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,927
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,622
−HK$705/mo
Today · 4.125%
HK$27,327
baseline
▲ 0.50% · 4.625%
HK$28,768
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,654/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,755 · 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).