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$12,446
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,833
−HK$393/mo
Today · 4.125%
HK$13,226
baseline
▲ 0.50% · 4.625%
HK$14,031
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,452/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,846
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,217
−HK$377/mo
Today · 4.125%
HK$14,594
baseline
▲ 0.50% · 4.625%
HK$15,363
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,188/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,935
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,400
−HK$472/mo
Today · 4.125%
HK$15,872
baseline
▲ 0.50% · 4.625%
HK$16,837
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,744/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,615
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,061
−HK$452/mo
Today · 4.125%
HK$17,513
baseline
▲ 0.50% · 4.625%
HK$18,436
+HK$923/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,026/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,424
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,966
−HK$551/mo
Today · 4.125%
HK$18,517
baseline
▲ 0.50% · 4.625%
HK$19,644
+HK$1,127/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,034/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,384
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,904
−HK$528/mo
Today · 4.125%
HK$20,432
baseline
▲ 0.50% · 4.625%
HK$21,509
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,864/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,403
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,100
−HK$708/mo
Today · 4.125%
HK$23,808
baseline
▲ 0.50% · 4.625%
HK$25,256
+HK$1,448/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,616/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,923
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,591
−HK$678/mo
Today · 4.125%
HK$26,269
baseline
▲ 0.50% · 4.625%
HK$27,654
+HK$1,385/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,538/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,808 · 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).