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$12,674
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,068
−HK$400/mo
Today · 4.125%
HK$13,468
baseline
▲ 0.50% · 4.625%
HK$14,288
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,936/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,099
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,477
−HK$384/mo
Today · 4.125%
HK$14,861
baseline
▲ 0.50% · 4.625%
HK$15,644
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,722/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,208
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,681
−HK$481/mo
Today · 4.125%
HK$16,162
baseline
▲ 0.50% · 4.625%
HK$17,145
+HK$983/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,324/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,919
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,373
−HK$460/mo
Today · 4.125%
HK$17,833
baseline
▲ 0.50% · 4.625%
HK$18,773
+HK$940/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,666/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,743
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,295
−HK$561/mo
Today · 4.125%
HK$18,856
baseline
▲ 0.50% · 4.625%
HK$20,003
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,712/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,739
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,268
−HK$537/mo
Today · 4.125%
HK$20,805
baseline
▲ 0.50% · 4.625%
HK$21,902
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,610/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,812
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,522
−HK$721/mo
Today · 4.125%
HK$24,243
baseline
▲ 0.50% · 4.625%
HK$25,718
+HK$1,475/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,486/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,378
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,059
−HK$691/mo
Today · 4.125%
HK$26,750
baseline
▲ 0.50% · 4.625%
HK$28,160
+HK$1,410/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,500/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,054 · 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).