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$12,468
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,856
−HK$394/mo
Today · 4.125%
HK$13,250
baseline
▲ 0.50% · 4.625%
HK$14,057
+HK$807/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,500/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,871
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,243
−HK$377/mo
Today · 4.125%
HK$14,620
baseline
▲ 0.50% · 4.625%
HK$15,391
+HK$771/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,240/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,962
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,428
−HK$472/mo
Today · 4.125%
HK$15,900
baseline
▲ 0.50% · 4.625%
HK$16,868
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,800/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,645
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,092
−HK$453/mo
Today · 4.125%
HK$17,545
baseline
▲ 0.50% · 4.625%
HK$18,469
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,090/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,456
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,999
−HK$551/mo
Today · 4.125%
HK$18,550
baseline
▲ 0.50% · 4.625%
HK$19,679
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,100/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,419
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,940
−HK$529/mo
Today · 4.125%
HK$20,469
baseline
▲ 0.50% · 4.625%
HK$21,548
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,938/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,443
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,141
−HK$710/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,302
+HK$1,451/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,968
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,637
−HK$680/mo
Today · 4.125%
HK$26,317
baseline
▲ 0.50% · 4.625%
HK$27,704
+HK$1,387/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,634/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,030 · 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).