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$12,628
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,021
−HK$399/mo
Today · 4.125%
HK$13,420
baseline
▲ 0.50% · 4.625%
HK$14,237
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,840/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,049
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,426
−HK$382/mo
Today · 4.125%
HK$14,808
baseline
▲ 0.50% · 4.625%
HK$15,588
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,616/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,154
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,625
−HK$479/mo
Today · 4.125%
HK$16,104
baseline
▲ 0.50% · 4.625%
HK$17,084
+HK$980/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$32,208/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,859
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,311
−HK$458/mo
Today · 4.125%
HK$17,769
baseline
▲ 0.50% · 4.625%
HK$18,706
+HK$937/mo
Deposit HK$2.22M · loan HK$3.32M · min. income ≈ HK$35,538/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,680
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,230
−HK$558/mo
Today · 4.125%
HK$18,788
baseline
▲ 0.50% · 4.625%
HK$19,932
+HK$1,144/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,576/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,668
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,196
−HK$535/mo
Today · 4.125%
HK$20,731
baseline
▲ 0.50% · 4.625%
HK$21,824
+HK$1,093/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,462/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,731
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,438
−HK$718/mo
Today · 4.125%
HK$24,156
baseline
▲ 0.50% · 4.625%
HK$25,626
+HK$1,470/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$48,312/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,288
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,966
−HK$688/mo
Today · 4.125%
HK$26,654
baseline
▲ 0.50% · 4.625%
HK$28,059
+HK$1,405/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$53,308/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,608 · 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).