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$12,500
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,888
−HK$395/mo
Today · 4.125%
HK$13,283
baseline
▲ 0.50% · 4.625%
HK$14,092
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,566/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,906
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,279
−HK$378/mo
Today · 4.125%
HK$14,657
baseline
▲ 0.50% · 4.625%
HK$15,429
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,314/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,999
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,466
−HK$474/mo
Today · 4.125%
HK$15,940
baseline
▲ 0.50% · 4.625%
HK$16,910
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,880/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,687
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,134
−HK$454/mo
Today · 4.125%
HK$17,588
baseline
▲ 0.50% · 4.625%
HK$18,515
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,176/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,499
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,044
−HK$553/mo
Today · 4.125%
HK$18,597
baseline
▲ 0.50% · 4.625%
HK$19,728
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,194/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,468
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,990
−HK$530/mo
Today · 4.125%
HK$20,520
baseline
▲ 0.50% · 4.625%
HK$21,601
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,040/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,499
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,199
−HK$711/mo
Today · 4.125%
HK$23,910
baseline
▲ 0.50% · 4.625%
HK$25,365
+HK$1,455/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,820/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,030
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,701
−HK$681/mo
Today · 4.125%
HK$26,382
baseline
▲ 0.50% · 4.625%
HK$27,773
+HK$1,391/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,764/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,337 · 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).