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$12,814
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,213
−HK$405/mo
Today · 4.125%
HK$13,618
baseline
▲ 0.50% · 4.625%
HK$14,446
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,236/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,256
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,638
−HK$388/mo
Today · 4.125%
HK$15,026
baseline
▲ 0.50% · 4.625%
HK$15,818
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,052/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,377
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,855
−HK$486/mo
Today · 4.125%
HK$16,341
baseline
▲ 0.50% · 4.625%
HK$17,336
+HK$995/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,682/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,107
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,566
−HK$465/mo
Today · 4.125%
HK$18,031
baseline
▲ 0.50% · 4.625%
HK$18,982
+HK$951/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,062/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,940
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,498
−HK$567/mo
Today · 4.125%
HK$19,065
baseline
▲ 0.50% · 4.625%
HK$20,225
+HK$1,160/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,130/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,958
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,493
−HK$543/mo
Today · 4.125%
HK$21,036
baseline
▲ 0.50% · 4.625%
HK$22,145
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,072/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,066
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,783
−HK$729/mo
Today · 4.125%
HK$24,512
baseline
▲ 0.50% · 4.625%
HK$26,004
+HK$1,492/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,024/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,660
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,348
−HK$699/mo
Today · 4.125%
HK$27,047
baseline
▲ 0.50% · 4.625%
HK$28,472
+HK$1,425/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,094/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,443 · 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).