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$12,878
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,278
−HK$407/mo
Today · 4.125%
HK$13,685
baseline
▲ 0.50% · 4.625%
HK$14,518
+HK$833/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,370/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,326
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,711
−HK$389/mo
Today · 4.125%
HK$15,100
baseline
▲ 0.50% · 4.625%
HK$15,896
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,200/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,453
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,934
−HK$488/mo
Today · 4.125%
HK$16,422
baseline
▲ 0.50% · 4.625%
HK$17,422
+HK$1,000/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,844/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,192
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,653
−HK$468/mo
Today · 4.125%
HK$18,121
baseline
▲ 0.50% · 4.625%
HK$19,076
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,242/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,029
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,590
−HK$570/mo
Today · 4.125%
HK$19,160
baseline
▲ 0.50% · 4.625%
HK$20,325
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,320/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,057
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,595
−HK$546/mo
Today · 4.125%
HK$21,141
baseline
▲ 0.50% · 4.625%
HK$22,255
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,282/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,180
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,901
−HK$733/mo
Today · 4.125%
HK$24,634
baseline
▲ 0.50% · 4.625%
HK$26,133
+HK$1,499/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,268/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,788
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,479
−HK$702/mo
Today · 4.125%
HK$27,181
baseline
▲ 0.50% · 4.625%
HK$28,614
+HK$1,433/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,362/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,070 · 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).