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$12,597
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,989
−HK$398/mo
Today · 4.125%
HK$13,387
baseline
▲ 0.50% · 4.625%
HK$14,202
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,774/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,015
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,390
−HK$382/mo
Today · 4.125%
HK$14,772
baseline
▲ 0.50% · 4.625%
HK$15,550
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,544/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,117
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,587
−HK$478/mo
Today · 4.125%
HK$16,065
baseline
▲ 0.50% · 4.625%
HK$17,042
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,130/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,817
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,269
−HK$457/mo
Today · 4.125%
HK$17,726
baseline
▲ 0.50% · 4.625%
HK$18,660
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,452/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,636
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,185
−HK$557/mo
Today · 4.125%
HK$18,742
baseline
▲ 0.50% · 4.625%
HK$19,883
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,484/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,620
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,147
−HK$533/mo
Today · 4.125%
HK$20,680
baseline
▲ 0.50% · 4.625%
HK$21,771
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,360/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,675
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,381
−HK$716/mo
Today · 4.125%
HK$24,097
baseline
▲ 0.50% · 4.625%
HK$25,564
+HK$1,467/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,194/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,226
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,903
−HK$686/mo
Today · 4.125%
HK$26,589
baseline
▲ 0.50% · 4.625%
HK$27,991
+HK$1,402/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,178/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,304 · 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).