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$12,530
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,920
−HK$395/mo
Today · 4.125%
HK$13,315
baseline
▲ 0.50% · 4.625%
HK$14,126
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,630/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,939
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,313
−HK$379/mo
Today · 4.125%
HK$14,692
baseline
▲ 0.50% · 4.625%
HK$15,467
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,384/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,036
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,503
−HK$476/mo
Today · 4.125%
HK$15,979
baseline
▲ 0.50% · 4.625%
HK$16,951
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,958/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,727
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,176
−HK$455/mo
Today · 4.125%
HK$17,631
baseline
▲ 0.50% · 4.625%
HK$18,560
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,262/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,542
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,087
−HK$555/mo
Today · 4.125%
HK$18,642
baseline
▲ 0.50% · 4.625%
HK$19,776
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,284/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,515
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,038
−HK$531/mo
Today · 4.125%
HK$20,569
baseline
▲ 0.50% · 4.625%
HK$21,653
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,138/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,554
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,255
−HK$713/mo
Today · 4.125%
HK$23,968
baseline
▲ 0.50% · 4.625%
HK$25,426
+HK$1,458/mo
Deposit HK$549K · loan HK$4.95M · min. income ≈ HK$47,936/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,091
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,764
−HK$682/mo
Today · 4.125%
HK$26,446
baseline
▲ 0.50% · 4.625%
HK$27,840
+HK$1,394/mo
Deposit HK$549K · loan HK$4.95M · min. income ≈ HK$52,892/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,636 · 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).