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$12,590
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,981
−HK$398/mo
Today · 4.125%
HK$13,379
baseline
▲ 0.50% · 4.625%
HK$14,193
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,758/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,006
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,382
−HK$381/mo
Today · 4.125%
HK$14,763
baseline
▲ 0.50% · 4.625%
HK$15,541
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,526/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,108
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,578
−HK$477/mo
Today · 4.125%
HK$16,055
baseline
▲ 0.50% · 4.625%
HK$17,032
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,110/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,807
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,258
−HK$457/mo
Today · 4.125%
HK$17,715
baseline
▲ 0.50% · 4.625%
HK$18,649
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,430/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,626
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,174
−HK$557/mo
Today · 4.125%
HK$18,731
baseline
▲ 0.50% · 4.625%
HK$19,871
+HK$1,140/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,462/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,609
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,134
−HK$534/mo
Today · 4.125%
HK$20,668
baseline
▲ 0.50% · 4.625%
HK$21,757
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,336/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,662
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,367
−HK$716/mo
Today · 4.125%
HK$24,083
baseline
▲ 0.50% · 4.625%
HK$25,548
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,166/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,211
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,887
−HK$686/mo
Today · 4.125%
HK$26,573
baseline
▲ 0.50% · 4.625%
HK$27,974
+HK$1,401/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,146/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,229 · 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).