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$12,750
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,147
−HK$402/mo
Today · 4.125%
HK$13,549
baseline
▲ 0.50% · 4.625%
HK$14,374
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,098/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,184
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,565
−HK$385/mo
Today · 4.125%
HK$14,950
baseline
▲ 0.50% · 4.625%
HK$15,739
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,900/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,300
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,776
−HK$483/mo
Today · 4.125%
HK$16,259
baseline
▲ 0.50% · 4.625%
HK$17,249
+HK$990/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,518/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,021
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,477
−HK$464/mo
Today · 4.125%
HK$17,941
baseline
▲ 0.50% · 4.625%
HK$18,886
+HK$945/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,882/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,850
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,405
−HK$564/mo
Today · 4.125%
HK$18,969
baseline
▲ 0.50% · 4.625%
HK$20,123
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,938/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,858
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,390
−HK$541/mo
Today · 4.125%
HK$20,931
baseline
▲ 0.50% · 4.625%
HK$22,034
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,862/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,950
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,664
−HK$725/mo
Today · 4.125%
HK$24,389
baseline
▲ 0.50% · 4.625%
HK$25,873
+HK$1,484/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,778/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,531
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,216
−HK$695/mo
Today · 4.125%
HK$26,911
baseline
▲ 0.50% · 4.625%
HK$28,329
+HK$1,418/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,822/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,808 · 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).