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$12,186
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,565
−HK$385/mo
Today · 4.125%
HK$12,950
baseline
▲ 0.50% · 4.625%
HK$13,738
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,900/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,556
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,920
−HK$369/mo
Today · 4.125%
HK$14,289
baseline
▲ 0.50% · 4.625%
HK$15,042
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,578/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,623
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,078
−HK$462/mo
Today · 4.125%
HK$15,540
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$945/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,080/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,268
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,704
−HK$442/mo
Today · 4.125%
HK$17,146
baseline
▲ 0.50% · 4.625%
HK$18,050
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,292/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,060
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,590
−HK$540/mo
Today · 4.125%
HK$18,130
baseline
▲ 0.50% · 4.625%
HK$19,233
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,260/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,979
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,488
−HK$516/mo
Today · 4.125%
HK$20,004
baseline
▲ 0.50% · 4.625%
HK$21,059
+HK$1,055/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,008/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,934
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,616
−HK$693/mo
Today · 4.125%
HK$23,309
baseline
▲ 0.50% · 4.625%
HK$24,728
+HK$1,419/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,618/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,401
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,056
−HK$664/mo
Today · 4.125%
HK$25,720
baseline
▲ 0.50% · 4.625%
HK$27,075
+HK$1,355/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,440/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,239 · 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).