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$12,499
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,888
−HK$395/mo
Today · 4.125%
HK$13,283
baseline
▲ 0.50% · 4.625%
HK$14,091
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,566/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,905
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,278
−HK$378/mo
Today · 4.125%
HK$14,656
baseline
▲ 0.50% · 4.625%
HK$15,429
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,312/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,999
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,465
−HK$474/mo
Today · 4.125%
HK$15,939
baseline
▲ 0.50% · 4.625%
HK$16,909
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,878/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,686
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,133
−HK$454/mo
Today · 4.125%
HK$17,587
baseline
▲ 0.50% · 4.625%
HK$18,515
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,174/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,499
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,043
−HK$553/mo
Today · 4.125%
HK$18,596
baseline
▲ 0.50% · 4.625%
HK$19,727
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,192/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,467
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,989
−HK$530/mo
Today · 4.125%
HK$20,519
baseline
▲ 0.50% · 4.625%
HK$21,600
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,038/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,498
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,198
−HK$711/mo
Today · 4.125%
HK$23,909
baseline
▲ 0.50% · 4.625%
HK$25,364
+HK$1,455/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,818/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,029
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,700
−HK$681/mo
Today · 4.125%
HK$26,381
baseline
▲ 0.50% · 4.625%
HK$27,772
+HK$1,391/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,762/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,332 · 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).