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$12,760
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,157
−HK$403/mo
Today · 4.125%
HK$13,560
baseline
▲ 0.50% · 4.625%
HK$14,385
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,120/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,195
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,576
−HK$386/mo
Today · 4.125%
HK$14,962
baseline
▲ 0.50% · 4.625%
HK$15,751
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,924/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,312
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,788
−HK$484/mo
Today · 4.125%
HK$16,272
baseline
▲ 0.50% · 4.625%
HK$17,262
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,544/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,034
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,491
−HK$463/mo
Today · 4.125%
HK$17,954
baseline
▲ 0.50% · 4.625%
HK$18,901
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,908/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,864
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,419
−HK$565/mo
Today · 4.125%
HK$18,984
baseline
▲ 0.50% · 4.625%
HK$20,139
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,968/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,873
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,406
−HK$541/mo
Today · 4.125%
HK$20,947
baseline
▲ 0.50% · 4.625%
HK$22,051
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,894/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,968
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,682
−HK$726/mo
Today · 4.125%
HK$24,408
baseline
▲ 0.50% · 4.625%
HK$25,893
+HK$1,485/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,816/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,551
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,236
−HK$696/mo
Today · 4.125%
HK$26,932
baseline
▲ 0.50% · 4.625%
HK$28,351
+HK$1,419/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,864/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,905 · 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).