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$12,226
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,607
−HK$386/mo
Today · 4.125%
HK$12,993
baseline
▲ 0.50% · 4.625%
HK$13,784
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,986/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,602
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$370/mo
Today · 4.125%
HK$14,336
baseline
▲ 0.50% · 4.625%
HK$15,092
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,672/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,672
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,128
−HK$464/mo
Today · 4.125%
HK$15,592
baseline
▲ 0.50% · 4.625%
HK$16,540
+HK$948/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,184/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,322
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,760
−HK$444/mo
Today · 4.125%
HK$17,204
baseline
▲ 0.50% · 4.625%
HK$18,111
+HK$907/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,408/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,117
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,649
−HK$541/mo
Today · 4.125%
HK$18,190
baseline
▲ 0.50% · 4.625%
HK$19,297
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,380/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,042
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,553
−HK$518/mo
Today · 4.125%
HK$20,071
baseline
▲ 0.50% · 4.625%
HK$21,129
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,142/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,007
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,692
−HK$695/mo
Today · 4.125%
HK$23,387
baseline
▲ 0.50% · 4.625%
HK$24,810
+HK$1,423/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,774/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,483
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,139
−HK$667/mo
Today · 4.125%
HK$25,806
baseline
▲ 0.50% · 4.625%
HK$27,166
+HK$1,360/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,612/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,641 · 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).