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$12,674
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,069
−HK$400/mo
Today · 4.125%
HK$13,469
baseline
▲ 0.50% · 4.625%
HK$14,289
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,938/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,100
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,478
−HK$384/mo
Today · 4.125%
HK$14,862
baseline
▲ 0.50% · 4.625%
HK$15,645
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,724/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,209
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,682
−HK$481/mo
Today · 4.125%
HK$16,163
baseline
▲ 0.50% · 4.625%
HK$17,147
+HK$984/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,326/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,920
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,374
−HK$460/mo
Today · 4.125%
HK$17,834
baseline
▲ 0.50% · 4.625%
HK$18,774
+HK$940/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,668/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,744
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,296
−HK$561/mo
Today · 4.125%
HK$18,857
baseline
▲ 0.50% · 4.625%
HK$20,004
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,714/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,740
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,270
−HK$537/mo
Today · 4.125%
HK$20,807
baseline
▲ 0.50% · 4.625%
HK$21,904
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,614/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,814
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,524
−HK$721/mo
Today · 4.125%
HK$24,245
baseline
▲ 0.50% · 4.625%
HK$25,720
+HK$1,475/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,490/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,380
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,061
−HK$691/mo
Today · 4.125%
HK$26,752
baseline
▲ 0.50% · 4.625%
HK$28,162
+HK$1,410/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,504/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,063 · 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).