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$12,803
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,201
−HK$405/mo
Today · 4.125%
HK$13,606
baseline
▲ 0.50% · 4.625%
HK$14,434
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,212/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,243
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,625
−HK$388/mo
Today · 4.125%
HK$15,013
baseline
▲ 0.50% · 4.625%
HK$15,804
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,026/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,364
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,842
−HK$485/mo
Today · 4.125%
HK$16,327
baseline
▲ 0.50% · 4.625%
HK$17,321
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,654/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,092
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,550
−HK$465/mo
Today · 4.125%
HK$18,015
baseline
▲ 0.50% · 4.625%
HK$18,965
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,030/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,924
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,482
−HK$566/mo
Today · 4.125%
HK$19,048
baseline
▲ 0.50% · 4.625%
HK$20,207
+HK$1,159/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,096/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,941
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,475
−HK$543/mo
Today · 4.125%
HK$21,018
baseline
▲ 0.50% · 4.625%
HK$22,126
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,036/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,045
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,762
−HK$729/mo
Today · 4.125%
HK$24,491
baseline
▲ 0.50% · 4.625%
HK$25,981
+HK$1,490/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,982/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,638
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,325
−HK$698/mo
Today · 4.125%
HK$27,023
baseline
▲ 0.50% · 4.625%
HK$28,447
+HK$1,424/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,046/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,332 · 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).