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$12,568
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,959
−HK$397/mo
Today · 4.125%
HK$13,356
baseline
▲ 0.50% · 4.625%
HK$14,169
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,712/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,982
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,357
−HK$380/mo
Today · 4.125%
HK$14,737
baseline
▲ 0.50% · 4.625%
HK$15,514
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,474/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,082
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,551
−HK$477/mo
Today · 4.125%
HK$16,028
baseline
▲ 0.50% · 4.625%
HK$17,003
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,056/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,778
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,228
−HK$457/mo
Today · 4.125%
HK$17,685
baseline
▲ 0.50% · 4.625%
HK$18,617
+HK$932/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,370/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,596
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,143
−HK$556/mo
Today · 4.125%
HK$18,699
baseline
▲ 0.50% · 4.625%
HK$19,837
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,398/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,575
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,100
−HK$532/mo
Today · 4.125%
HK$20,632
baseline
▲ 0.50% · 4.625%
HK$21,720
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,264/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,623
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,327
−HK$715/mo
Today · 4.125%
HK$24,042
baseline
▲ 0.50% · 4.625%
HK$25,504
+HK$1,462/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,084/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,168
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,843
−HK$684/mo
Today · 4.125%
HK$26,527
baseline
▲ 0.50% · 4.625%
HK$27,926
+HK$1,399/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,054/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,015 · 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).