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$12,895
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,296
−HK$408/mo
Today · 4.125%
HK$13,704
baseline
▲ 0.50% · 4.625%
HK$14,538
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,408/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,346
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,730
−HK$391/mo
Today · 4.125%
HK$15,121
baseline
▲ 0.50% · 4.625%
HK$15,918
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,242/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,474
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,955
−HK$489/mo
Today · 4.125%
HK$16,444
baseline
▲ 0.50% · 4.625%
HK$17,445
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,888/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,215
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,676
−HK$469/mo
Today · 4.125%
HK$18,145
baseline
▲ 0.50% · 4.625%
HK$19,101
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,290/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,053
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,615
−HK$570/mo
Today · 4.125%
HK$19,185
baseline
▲ 0.50% · 4.625%
HK$20,353
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,370/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,084
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,623
−HK$546/mo
Today · 4.125%
HK$21,169
baseline
▲ 0.50% · 4.625%
HK$22,285
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,338/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,211
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,933
−HK$734/mo
Today · 4.125%
HK$24,667
baseline
▲ 0.50% · 4.625%
HK$26,168
+HK$1,501/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,334/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,822
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,515
−HK$702/mo
Today · 4.125%
HK$27,217
baseline
▲ 0.50% · 4.625%
HK$28,652
+HK$1,435/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,434/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,240 · 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).