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$12,038
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,413
−HK$380/mo
Today · 4.125%
HK$12,793
baseline
▲ 0.50% · 4.625%
HK$13,572
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,586/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,392
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,752
−HK$364/mo
Today · 4.125%
HK$14,116
baseline
▲ 0.50% · 4.625%
HK$14,860
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,232/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,446
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,895
−HK$457/mo
Today · 4.125%
HK$15,352
baseline
▲ 0.50% · 4.625%
HK$16,286
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,704/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,071
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,502
−HK$437/mo
Today · 4.125%
HK$16,939
baseline
▲ 0.50% · 4.625%
HK$17,832
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,878/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,854
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,378
−HK$532/mo
Today · 4.125%
HK$17,910
baseline
▲ 0.50% · 4.625%
HK$19,000
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,820/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,749
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,252
−HK$510/mo
Today · 4.125%
HK$19,762
baseline
▲ 0.50% · 4.625%
HK$20,804
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,524/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,669
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,343
−HK$685/mo
Today · 4.125%
HK$23,028
baseline
▲ 0.50% · 4.625%
HK$24,429
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,056/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,106
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,753
−HK$656/mo
Today · 4.125%
HK$25,409
baseline
▲ 0.50% · 4.625%
HK$26,748
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,818/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,786 · 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).