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$12,748
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,145
−HK$402/mo
Today · 4.125%
HK$13,547
baseline
▲ 0.50% · 4.625%
HK$14,372
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,094/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,182
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,562
−HK$386/mo
Today · 4.125%
HK$14,948
baseline
▲ 0.50% · 4.625%
HK$15,736
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,896/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,298
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,773
−HK$484/mo
Today · 4.125%
HK$16,257
baseline
▲ 0.50% · 4.625%
HK$17,246
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,514/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,018
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,475
−HK$463/mo
Today · 4.125%
HK$17,938
baseline
▲ 0.50% · 4.625%
HK$18,883
+HK$945/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,876/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,847
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,402
−HK$564/mo
Today · 4.125%
HK$18,966
baseline
▲ 0.50% · 4.625%
HK$20,120
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,932/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,855
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,387
−HK$541/mo
Today · 4.125%
HK$20,928
baseline
▲ 0.50% · 4.625%
HK$22,031
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,856/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,946
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,660
−HK$725/mo
Today · 4.125%
HK$24,385
baseline
▲ 0.50% · 4.625%
HK$25,869
+HK$1,484/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,770/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,528
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,212
−HK$695/mo
Today · 4.125%
HK$26,907
baseline
▲ 0.50% · 4.625%
HK$28,325
+HK$1,418/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,814/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,789 · 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).