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$12,969
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,372
−HK$410/mo
Today · 4.125%
HK$13,782
baseline
▲ 0.50% · 4.625%
HK$14,621
+HK$839/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,564/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,428
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,814
−HK$393/mo
Today · 4.125%
HK$15,207
baseline
▲ 0.50% · 4.625%
HK$16,009
+HK$802/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,414/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,562
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,047
−HK$491/mo
Today · 4.125%
HK$16,538
baseline
▲ 0.50% · 4.625%
HK$17,545
+HK$1,007/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,076/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,313
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,777
−HK$471/mo
Today · 4.125%
HK$18,248
baseline
▲ 0.50% · 4.625%
HK$19,210
+HK$962/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,496/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,156
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,721
−HK$574/mo
Today · 4.125%
HK$19,295
baseline
▲ 0.50% · 4.625%
HK$20,469
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,590/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,199
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,740
−HK$550/mo
Today · 4.125%
HK$21,290
baseline
▲ 0.50% · 4.625%
HK$22,412
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,580/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,344
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,070
−HK$737/mo
Today · 4.125%
HK$24,807
baseline
▲ 0.50% · 4.625%
HK$26,317
+HK$1,510/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,614/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,970
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,666
−HK$707/mo
Today · 4.125%
HK$27,373
baseline
▲ 0.50% · 4.625%
HK$28,815
+HK$1,442/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,746/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,967 · 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).