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$12,230
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,611
−HK$386/mo
Today · 4.125%
HK$12,997
baseline
▲ 0.50% · 4.625%
HK$13,788
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,994/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,606
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,971
−HK$370/mo
Today · 4.125%
HK$14,341
baseline
▲ 0.50% · 4.625%
HK$15,097
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,682/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,676
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,133
−HK$464/mo
Today · 4.125%
HK$15,597
baseline
▲ 0.50% · 4.625%
HK$16,546
+HK$949/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,194/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,327
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,765
−HK$445/mo
Today · 4.125%
HK$17,210
baseline
▲ 0.50% · 4.625%
HK$18,117
+HK$907/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,420/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,123
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,655
−HK$541/mo
Today · 4.125%
HK$18,196
baseline
▲ 0.50% · 4.625%
HK$19,303
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,392/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,049
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,560
−HK$518/mo
Today · 4.125%
HK$20,078
baseline
▲ 0.50% · 4.625%
HK$21,136
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,156/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,015
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,699
−HK$696/mo
Today · 4.125%
HK$23,395
baseline
▲ 0.50% · 4.625%
HK$24,819
+HK$1,424/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,790/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,491
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,148
−HK$666/mo
Today · 4.125%
HK$25,814
baseline
▲ 0.50% · 4.625%
HK$27,175
+HK$1,361/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,628/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,682 · 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).