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$12,984
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,387
−HK$411/mo
Today · 4.125%
HK$13,798
baseline
▲ 0.50% · 4.625%
HK$14,637
+HK$839/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,596/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,444
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,831
−HK$393/mo
Today · 4.125%
HK$15,224
baseline
▲ 0.50% · 4.625%
HK$16,027
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,448/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,580
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,065
−HK$492/mo
Today · 4.125%
HK$16,557
baseline
▲ 0.50% · 4.625%
HK$17,565
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,114/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,333
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,798
−HK$471/mo
Today · 4.125%
HK$18,269
baseline
▲ 0.50% · 4.625%
HK$19,232
+HK$963/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,538/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,177
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,742
−HK$575/mo
Today · 4.125%
HK$19,317
baseline
▲ 0.50% · 4.625%
HK$20,492
+HK$1,175/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,634/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,222
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,764
−HK$550/mo
Today · 4.125%
HK$21,314
baseline
▲ 0.50% · 4.625%
HK$22,438
+HK$1,124/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,628/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,370
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,097
−HK$739/mo
Today · 4.125%
HK$24,836
baseline
▲ 0.50% · 4.625%
HK$26,347
+HK$1,511/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,672/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,999
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,697
−HK$707/mo
Today · 4.125%
HK$27,404
baseline
▲ 0.50% · 4.625%
HK$28,848
+HK$1,444/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,808/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,113 · 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).