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$12,302
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,684
−HK$389/mo
Today · 4.125%
HK$13,073
baseline
▲ 0.50% · 4.625%
HK$13,869
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,146/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,685
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,053
−HK$372/mo
Today · 4.125%
HK$14,425
baseline
▲ 0.50% · 4.625%
HK$15,185
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,850/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,762
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,221
−HK$467/mo
Today · 4.125%
HK$15,688
baseline
▲ 0.50% · 4.625%
HK$16,642
+HK$954/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,376/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,423
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,863
−HK$447/mo
Today · 4.125%
HK$17,310
baseline
▲ 0.50% · 4.625%
HK$18,222
+HK$912/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,620/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,222
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,758
−HK$544/mo
Today · 4.125%
HK$18,302
baseline
▲ 0.50% · 4.625%
HK$19,416
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,604/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,160
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,674
−HK$521/mo
Today · 4.125%
HK$20,195
baseline
▲ 0.50% · 4.625%
HK$21,259
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,390/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,143
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,832
−HK$700/mo
Today · 4.125%
HK$23,532
baseline
▲ 0.50% · 4.625%
HK$24,963
+HK$1,431/mo
Deposit HK$539K · loan HK$4.86M · min. income ≈ HK$47,064/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,634
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$670/mo
Today · 4.125%
HK$25,965
baseline
▲ 0.50% · 4.625%
HK$27,333
+HK$1,368/mo
Deposit HK$539K · loan HK$4.86M · min. income ≈ HK$51,930/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,385 · 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).