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$12,026
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,400
−HK$380/mo
Today · 4.125%
HK$12,780
baseline
▲ 0.50% · 4.625%
HK$13,557
+HK$777/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,560/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,378
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,737
−HK$364/mo
Today · 4.125%
HK$14,101
baseline
▲ 0.50% · 4.625%
HK$14,844
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,202/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,431
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,880
−HK$456/mo
Today · 4.125%
HK$15,336
baseline
▲ 0.50% · 4.625%
HK$16,269
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,672/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,054
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,485
−HK$436/mo
Today · 4.125%
HK$16,921
baseline
▲ 0.50% · 4.625%
HK$17,813
+HK$892/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,842/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,836
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,359
−HK$533/mo
Today · 4.125%
HK$17,892
baseline
▲ 0.50% · 4.625%
HK$18,980
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,784/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,730
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,232
−HK$510/mo
Today · 4.125%
HK$19,742
baseline
▲ 0.50% · 4.625%
HK$20,782
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,484/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,646
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,319
−HK$684/mo
Today · 4.125%
HK$23,003
baseline
▲ 0.50% · 4.625%
HK$24,403
+HK$1,400/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$46,006/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,081
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,727
−HK$655/mo
Today · 4.125%
HK$25,382
baseline
▲ 0.50% · 4.625%
HK$26,720
+HK$1,338/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$50,764/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,660 · 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).