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$12,531
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,920
−HK$396/mo
Today · 4.125%
HK$13,316
baseline
▲ 0.50% · 4.625%
HK$14,127
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,632/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,940
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,314
−HK$379/mo
Today · 4.125%
HK$14,693
baseline
▲ 0.50% · 4.625%
HK$15,468
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,386/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,037
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,504
−HK$476/mo
Today · 4.125%
HK$15,980
baseline
▲ 0.50% · 4.625%
HK$16,952
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,960/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,728
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,177
−HK$455/mo
Today · 4.125%
HK$17,632
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,264/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,543
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,089
−HK$554/mo
Today · 4.125%
HK$18,643
baseline
▲ 0.50% · 4.625%
HK$19,777
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,286/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,516
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,040
−HK$531/mo
Today · 4.125%
HK$20,571
baseline
▲ 0.50% · 4.625%
HK$21,655
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,142/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,555
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,257
−HK$713/mo
Today · 4.125%
HK$23,970
baseline
▲ 0.50% · 4.625%
HK$25,428
+HK$1,458/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,940/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,092
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,765
−HK$683/mo
Today · 4.125%
HK$26,448
baseline
▲ 0.50% · 4.625%
HK$27,842
+HK$1,394/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,896/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,644 · 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).