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$12,783
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,181
−HK$404/mo
Today · 4.125%
HK$13,585
baseline
▲ 0.50% · 4.625%
HK$14,411
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,170/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,221
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,602
−HK$387/mo
Today · 4.125%
HK$14,989
baseline
▲ 0.50% · 4.625%
HK$15,779
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,978/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,340
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,817
−HK$485/mo
Today · 4.125%
HK$16,302
baseline
▲ 0.50% · 4.625%
HK$17,294
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,604/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,065
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,523
−HK$464/mo
Today · 4.125%
HK$17,987
baseline
▲ 0.50% · 4.625%
HK$18,935
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,974/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,896
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,453
−HK$566/mo
Today · 4.125%
HK$19,019
baseline
▲ 0.50% · 4.625%
HK$20,176
+HK$1,157/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,038/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,909
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,443
−HK$542/mo
Today · 4.125%
HK$20,985
baseline
▲ 0.50% · 4.625%
HK$22,091
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,970/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,009
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,725
−HK$727/mo
Today · 4.125%
HK$24,452
baseline
▲ 0.50% · 4.625%
HK$25,940
+HK$1,488/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,904/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,598
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,284
−HK$697/mo
Today · 4.125%
HK$26,981
baseline
▲ 0.50% · 4.625%
HK$28,403
+HK$1,422/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$53,962/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,135 · 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).