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$12,403
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,789
−HK$392/mo
Today · 4.125%
HK$13,181
baseline
▲ 0.50% · 4.625%
HK$13,983
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,362/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,798
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,168
−HK$376/mo
Today · 4.125%
HK$14,544
baseline
▲ 0.50% · 4.625%
HK$15,310
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,088/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,883
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,346
−HK$471/mo
Today · 4.125%
HK$15,817
baseline
▲ 0.50% · 4.625%
HK$16,779
+HK$962/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,634/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,558
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,002
−HK$450/mo
Today · 4.125%
HK$17,452
baseline
▲ 0.50% · 4.625%
HK$18,372
+HK$920/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,904/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,364
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,904
−HK$549/mo
Today · 4.125%
HK$18,453
baseline
▲ 0.50% · 4.625%
HK$19,576
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,906/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,317
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,835
−HK$526/mo
Today · 4.125%
HK$20,361
baseline
▲ 0.50% · 4.625%
HK$21,434
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,722/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,325
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,020
−HK$705/mo
Today · 4.125%
HK$23,725
baseline
▲ 0.50% · 4.625%
HK$25,169
+HK$1,444/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,450/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,837
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,503
−HK$675/mo
Today · 4.125%
HK$26,178
baseline
▲ 0.50% · 4.625%
HK$27,558
+HK$1,380/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,356/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,384 · 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).