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$12,174
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,553
−HK$385/mo
Today · 4.125%
HK$12,938
baseline
▲ 0.50% · 4.625%
HK$13,725
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,876/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,544
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,907
−HK$368/mo
Today · 4.125%
HK$14,275
baseline
▲ 0.50% · 4.625%
HK$15,028
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,550/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,609
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,063
−HK$462/mo
Today · 4.125%
HK$15,525
baseline
▲ 0.50% · 4.625%
HK$16,470
+HK$945/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,050/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,252
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,688
−HK$442/mo
Today · 4.125%
HK$17,130
baseline
▲ 0.50% · 4.625%
HK$18,033
+HK$903/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,260/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,044
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,574
−HK$539/mo
Today · 4.125%
HK$18,113
baseline
▲ 0.50% · 4.625%
HK$19,215
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,226/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,961
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,470
−HK$516/mo
Today · 4.125%
HK$19,986
baseline
▲ 0.50% · 4.625%
HK$21,039
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,972/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,914
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,595
−HK$693/mo
Today · 4.125%
HK$23,288
baseline
▲ 0.50% · 4.625%
HK$24,705
+HK$1,417/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,576/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,379
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,032
−HK$664/mo
Today · 4.125%
HK$25,696
baseline
▲ 0.50% · 4.625%
HK$27,050
+HK$1,354/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,392/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,127 · 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).