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$12,518
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,907
−HK$396/mo
Today · 4.125%
HK$13,303
baseline
▲ 0.50% · 4.625%
HK$14,112
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,606/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,926
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,299
−HK$379/mo
Today · 4.125%
HK$14,678
baseline
▲ 0.50% · 4.625%
HK$15,452
+HK$774/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,356/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,021
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,488
−HK$475/mo
Today · 4.125%
HK$15,963
baseline
▲ 0.50% · 4.625%
HK$16,934
+HK$971/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,926/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,711
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,159
−HK$455/mo
Today · 4.125%
HK$17,614
baseline
▲ 0.50% · 4.625%
HK$18,542
+HK$928/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,228/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,525
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,070
−HK$554/mo
Today · 4.125%
HK$18,624
baseline
▲ 0.50% · 4.625%
HK$19,757
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,248/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,496
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,019
−HK$530/mo
Today · 4.125%
HK$20,549
baseline
▲ 0.50% · 4.625%
HK$21,632
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,098/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,532
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,232
−HK$713/mo
Today · 4.125%
HK$23,945
baseline
▲ 0.50% · 4.625%
HK$25,402
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,890/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,066
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,738
−HK$682/mo
Today · 4.125%
HK$26,420
baseline
▲ 0.50% · 4.625%
HK$27,813
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,840/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,515 · 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).