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$12,231
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,611
−HK$387/mo
Today · 4.125%
HK$12,998
baseline
▲ 0.50% · 4.625%
HK$13,789
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,996/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,607
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,972
−HK$370/mo
Today · 4.125%
HK$14,342
baseline
▲ 0.50% · 4.625%
HK$15,098
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,684/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,677
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,134
−HK$464/mo
Today · 4.125%
HK$15,598
baseline
▲ 0.50% · 4.625%
HK$16,547
+HK$949/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,196/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,328
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,766
−HK$444/mo
Today · 4.125%
HK$17,210
baseline
▲ 0.50% · 4.625%
HK$18,118
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,420/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,123
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,656
−HK$541/mo
Today · 4.125%
HK$18,197
baseline
▲ 0.50% · 4.625%
HK$19,304
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,394/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,050
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,561
−HK$518/mo
Today · 4.125%
HK$20,079
baseline
▲ 0.50% · 4.625%
HK$21,137
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,158/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,016
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,701
−HK$695/mo
Today · 4.125%
HK$23,396
baseline
▲ 0.50% · 4.625%
HK$24,820
+HK$1,424/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,792/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,492
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,149
−HK$667/mo
Today · 4.125%
HK$25,816
baseline
▲ 0.50% · 4.625%
HK$27,176
+HK$1,360/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,632/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,688 · 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).