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$12,122
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,499
−HK$383/mo
Today · 4.125%
HK$12,882
baseline
▲ 0.50% · 4.625%
HK$13,666
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,764/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,485
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,847
−HK$367/mo
Today · 4.125%
HK$14,214
baseline
▲ 0.50% · 4.625%
HK$14,963
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,428/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,546
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,998
−HK$460/mo
Today · 4.125%
HK$15,458
baseline
▲ 0.50% · 4.625%
HK$16,399
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,916/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,182
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,616
−HK$441/mo
Today · 4.125%
HK$17,057
baseline
▲ 0.50% · 4.625%
HK$17,956
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,114/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,970
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,498
−HK$536/mo
Today · 4.125%
HK$18,034
baseline
▲ 0.50% · 4.625%
HK$19,132
+HK$1,098/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,068/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,879
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,386
−HK$513/mo
Today · 4.125%
HK$19,899
baseline
▲ 0.50% · 4.625%
HK$20,948
+HK$1,049/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,798/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,819
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,498
−HK$689/mo
Today · 4.125%
HK$23,187
baseline
▲ 0.50% · 4.625%
HK$24,598
+HK$1,411/mo
Deposit HK$532K · loan HK$4.78M · min. income ≈ HK$46,374/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,273
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,924
−HK$661/mo
Today · 4.125%
HK$25,585
baseline
▲ 0.50% · 4.625%
HK$26,933
+HK$1,348/mo
Deposit HK$532K · loan HK$4.78M · min. income ≈ HK$51,170/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,609 · 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).