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$12,874
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,274
−HK$407/mo
Today · 4.125%
HK$13,681
baseline
▲ 0.50% · 4.625%
HK$14,514
+HK$833/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,362/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,322
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,706
−HK$390/mo
Today · 4.125%
HK$15,096
baseline
▲ 0.50% · 4.625%
HK$15,892
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,192/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,449
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,929
−HK$488/mo
Today · 4.125%
HK$16,417
baseline
▲ 0.50% · 4.625%
HK$17,416
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,834/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,186
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,647
−HK$468/mo
Today · 4.125%
HK$18,115
baseline
▲ 0.50% · 4.625%
HK$19,070
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,230/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,023
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,584
−HK$570/mo
Today · 4.125%
HK$19,154
baseline
▲ 0.50% · 4.625%
HK$20,319
+HK$1,165/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,308/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,051
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,589
−HK$545/mo
Today · 4.125%
HK$21,134
baseline
▲ 0.50% · 4.625%
HK$22,248
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,268/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,173
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,894
−HK$732/mo
Today · 4.125%
HK$24,626
baseline
▲ 0.50% · 4.625%
HK$26,125
+HK$1,499/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,252/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,780
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,471
−HK$701/mo
Today · 4.125%
HK$27,172
baseline
▲ 0.50% · 4.625%
HK$28,605
+HK$1,433/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,344/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,031 · 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).