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$12,352
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,736
−HK$390/mo
Today · 4.125%
HK$13,126
baseline
▲ 0.50% · 4.625%
HK$13,925
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,252/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,741
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,110
−HK$374/mo
Today · 4.125%
HK$14,484
baseline
▲ 0.50% · 4.625%
HK$15,247
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,968/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,822
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,283
−HK$469/mo
Today · 4.125%
HK$15,752
baseline
▲ 0.50% · 4.625%
HK$16,710
+HK$958/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,504/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,490
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,932
−HK$449/mo
Today · 4.125%
HK$17,381
baseline
▲ 0.50% · 4.625%
HK$18,297
+HK$916/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,762/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,293
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,831
−HK$546/mo
Today · 4.125%
HK$18,377
baseline
▲ 0.50% · 4.625%
HK$19,495
+HK$1,118/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,754/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,238
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,754
−HK$523/mo
Today · 4.125%
HK$20,277
baseline
▲ 0.50% · 4.625%
HK$21,346
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,554/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,233
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,925
−HK$703/mo
Today · 4.125%
HK$23,628
baseline
▲ 0.50% · 4.625%
HK$25,065
+HK$1,437/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,256/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,734
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,398
−HK$673/mo
Today · 4.125%
HK$26,071
baseline
▲ 0.50% · 4.625%
HK$27,445
+HK$1,374/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,142/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,881 · 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).