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$12,196
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,575
−HK$385/mo
Today · 4.125%
HK$12,960
baseline
▲ 0.50% · 4.625%
HK$13,749
+HK$789/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,920/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,567
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,931
−HK$369/mo
Today · 4.125%
HK$14,300
baseline
▲ 0.50% · 4.625%
HK$15,054
+HK$754/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,600/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,635
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,090
−HK$462/mo
Today · 4.125%
HK$15,552
baseline
▲ 0.50% · 4.625%
HK$16,499
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,104/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,281
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,718
−HK$442/mo
Today · 4.125%
HK$17,160
baseline
▲ 0.50% · 4.625%
HK$18,065
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,320/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,074
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,605
−HK$539/mo
Today · 4.125%
HK$18,144
baseline
▲ 0.50% · 4.625%
HK$19,248
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,288/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,994
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,504
−HK$517/mo
Today · 4.125%
HK$20,021
baseline
▲ 0.50% · 4.625%
HK$21,076
+HK$1,055/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,042/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,952
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,635
−HK$694/mo
Today · 4.125%
HK$23,329
baseline
▲ 0.50% · 4.625%
HK$24,748
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,658/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,421
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,076
−HK$665/mo
Today · 4.125%
HK$25,741
baseline
▲ 0.50% · 4.625%
HK$27,098
+HK$1,357/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,482/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,337 · 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).