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$12,330
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,714
−HK$389/mo
Today · 4.125%
HK$13,103
baseline
▲ 0.50% · 4.625%
HK$13,901
+HK$798/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,206/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,717
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,085
−HK$373/mo
Today · 4.125%
HK$14,458
baseline
▲ 0.50% · 4.625%
HK$15,220
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,916/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,796
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,256
−HK$468/mo
Today · 4.125%
HK$15,724
baseline
▲ 0.50% · 4.625%
HK$16,681
+HK$957/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,448/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,461
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,902
−HK$448/mo
Today · 4.125%
HK$17,350
baseline
▲ 0.50% · 4.625%
HK$18,264
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,700/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,262
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,799
−HK$546/mo
Today · 4.125%
HK$18,345
baseline
▲ 0.50% · 4.625%
HK$19,461
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,690/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,204
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,719
−HK$523/mo
Today · 4.125%
HK$20,242
baseline
▲ 0.50% · 4.625%
HK$21,308
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,484/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,194
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,885
−HK$701/mo
Today · 4.125%
HK$23,586
baseline
▲ 0.50% · 4.625%
HK$25,021
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,172/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,691
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,353
−HK$672/mo
Today · 4.125%
HK$26,025
baseline
▲ 0.50% · 4.625%
HK$27,397
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,050/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,666 · 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).