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$12,033
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,407
−HK$380/mo
Today · 4.125%
HK$12,787
baseline
▲ 0.50% · 4.625%
HK$13,565
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,574/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,386
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,745
−HK$364/mo
Today · 4.125%
HK$14,109
baseline
▲ 0.50% · 4.625%
HK$14,853
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,218/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,439
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,888
−HK$456/mo
Today · 4.125%
HK$15,344
baseline
▲ 0.50% · 4.625%
HK$16,278
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,688/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,063
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,494
−HK$437/mo
Today · 4.125%
HK$16,931
baseline
▲ 0.50% · 4.625%
HK$17,824
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,862/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,846
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,370
−HK$532/mo
Today · 4.125%
HK$17,902
baseline
▲ 0.50% · 4.625%
HK$18,991
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,804/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,740
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,243
−HK$510/mo
Today · 4.125%
HK$19,753
baseline
▲ 0.50% · 4.625%
HK$20,794
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,506/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,659
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,332
−HK$685/mo
Today · 4.125%
HK$23,017
baseline
▲ 0.50% · 4.625%
HK$24,417
+HK$1,400/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,034/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,095
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,741
−HK$656/mo
Today · 4.125%
HK$25,397
baseline
▲ 0.50% · 4.625%
HK$26,735
+HK$1,338/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,794/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,729 · 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).