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$12,696
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,091
−HK$401/mo
Today · 4.125%
HK$13,492
baseline
▲ 0.50% · 4.625%
HK$14,313
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,984/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,124
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,503
−HK$384/mo
Today · 4.125%
HK$14,887
baseline
▲ 0.50% · 4.625%
HK$15,672
+HK$785/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,774/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,235
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,709
−HK$482/mo
Today · 4.125%
HK$16,191
baseline
▲ 0.50% · 4.625%
HK$17,176
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,382/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,949
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,404
−HK$461/mo
Today · 4.125%
HK$17,865
baseline
▲ 0.50% · 4.625%
HK$18,806
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,730/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,774
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,327
−HK$562/mo
Today · 4.125%
HK$18,889
baseline
▲ 0.50% · 4.625%
HK$20,038
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,778/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,774
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,304
−HK$538/mo
Today · 4.125%
HK$20,842
baseline
▲ 0.50% · 4.625%
HK$21,941
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,684/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,853
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,564
−HK$722/mo
Today · 4.125%
HK$24,286
baseline
▲ 0.50% · 4.625%
HK$25,764
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,572/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,423
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,105
−HK$692/mo
Today · 4.125%
HK$26,797
baseline
▲ 0.50% · 4.625%
HK$28,210
+HK$1,413/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,594/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,276 · 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).