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$12,342
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,726
−HK$390/mo
Today · 4.125%
HK$13,116
baseline
▲ 0.50% · 4.625%
HK$13,914
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,232/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,730
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,098
−HK$374/mo
Today · 4.125%
HK$14,472
baseline
▲ 0.50% · 4.625%
HK$15,235
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,944/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,810
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,271
−HK$468/mo
Today · 4.125%
HK$15,739
baseline
▲ 0.50% · 4.625%
HK$16,697
+HK$958/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,478/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,476
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,918
−HK$448/mo
Today · 4.125%
HK$17,366
baseline
▲ 0.50% · 4.625%
HK$18,282
+HK$916/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,732/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,279
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,816
−HK$546/mo
Today · 4.125%
HK$18,362
baseline
▲ 0.50% · 4.625%
HK$19,479
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,724/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,222
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,738
−HK$523/mo
Today · 4.125%
HK$20,261
baseline
▲ 0.50% · 4.625%
HK$21,329
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,522/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,215
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,906
−HK$702/mo
Today · 4.125%
HK$23,608
baseline
▲ 0.50% · 4.625%
HK$25,045
+HK$1,437/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,216/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,714
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,377
−HK$673/mo
Today · 4.125%
HK$26,050
baseline
▲ 0.50% · 4.625%
HK$27,423
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,100/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,781 · 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).