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$12,120
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,497
−HK$383/mo
Today · 4.125%
HK$12,880
baseline
▲ 0.50% · 4.625%
HK$13,663
+HK$783/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,760/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,483
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,844
−HK$367/mo
Today · 4.125%
HK$14,211
baseline
▲ 0.50% · 4.625%
HK$14,960
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,422/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,543
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,996
−HK$459/mo
Today · 4.125%
HK$15,455
baseline
▲ 0.50% · 4.625%
HK$16,396
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,910/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,179
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,613
−HK$441/mo
Today · 4.125%
HK$17,054
baseline
▲ 0.50% · 4.625%
HK$17,953
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,108/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,967
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,495
−HK$536/mo
Today · 4.125%
HK$18,031
baseline
▲ 0.50% · 4.625%
HK$19,129
+HK$1,098/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,062/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,876
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,382
−HK$514/mo
Today · 4.125%
HK$19,896
baseline
▲ 0.50% · 4.625%
HK$20,945
+HK$1,049/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,792/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,815
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,494
−HK$689/mo
Today · 4.125%
HK$23,183
baseline
▲ 0.50% · 4.625%
HK$24,594
+HK$1,411/mo
Deposit HK$532K · loan HK$4.78M · min. income ≈ HK$46,366/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,269
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,920
−HK$660/mo
Today · 4.125%
HK$25,580
baseline
▲ 0.50% · 4.625%
HK$26,929
+HK$1,349/mo
Deposit HK$532K · loan HK$4.78M · min. income ≈ HK$51,160/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,588 · 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).