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$12,924
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,326
−HK$409/mo
Today · 4.125%
HK$13,735
baseline
▲ 0.50% · 4.625%
HK$14,570
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,470/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,378
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,764
−HK$391/mo
Today · 4.125%
HK$15,155
baseline
▲ 0.50% · 4.625%
HK$15,954
+HK$799/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,310/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,509
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,991
−HK$491/mo
Today · 4.125%
HK$16,482
baseline
▲ 0.50% · 4.625%
HK$17,484
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,964/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,254
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$470/mo
Today · 4.125%
HK$18,186
baseline
▲ 0.50% · 4.625%
HK$19,144
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,372/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,094
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,657
−HK$572/mo
Today · 4.125%
HK$19,229
baseline
▲ 0.50% · 4.625%
HK$20,399
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,458/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,129
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,669
−HK$548/mo
Today · 4.125%
HK$21,217
baseline
▲ 0.50% · 4.625%
HK$22,335
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,434/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,264
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,987
−HK$735/mo
Today · 4.125%
HK$24,722
baseline
▲ 0.50% · 4.625%
HK$26,227
+HK$1,505/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$49,444/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,881
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,575
−HK$704/mo
Today · 4.125%
HK$27,279
baseline
▲ 0.50% · 4.625%
HK$28,717
+HK$1,438/mo
Deposit HK$567K · loan HK$5.10M · min. income ≈ HK$54,558/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,528 · 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).