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$12,665
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,059
−HK$401/mo
Today · 4.125%
HK$13,460
baseline
▲ 0.50% · 4.625%
HK$14,279
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,920/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,090
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,468
−HK$383/mo
Today · 4.125%
HK$14,851
baseline
▲ 0.50% · 4.625%
HK$15,634
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,702/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,198
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,671
−HK$481/mo
Today · 4.125%
HK$16,152
baseline
▲ 0.50% · 4.625%
HK$17,134
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,304/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,908
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,362
−HK$460/mo
Today · 4.125%
HK$17,822
baseline
▲ 0.50% · 4.625%
HK$18,761
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,644/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,732
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,283
−HK$560/mo
Today · 4.125%
HK$18,843
baseline
▲ 0.50% · 4.625%
HK$19,990
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,686/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,726
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,255
−HK$537/mo
Today · 4.125%
HK$20,792
baseline
▲ 0.50% · 4.625%
HK$21,888
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,584/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,798
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,507
−HK$720/mo
Today · 4.125%
HK$24,227
baseline
▲ 0.50% · 4.625%
HK$25,701
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,454/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,362
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,042
−HK$690/mo
Today · 4.125%
HK$26,732
baseline
▲ 0.50% · 4.625%
HK$28,142
+HK$1,410/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,464/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,974 · 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).