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$12,519
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,908
−HK$396/mo
Today · 4.125%
HK$13,304
baseline
▲ 0.50% · 4.625%
HK$14,113
+HK$809/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,608/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,927
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,301
−HK$379/mo
Today · 4.125%
HK$14,680
baseline
▲ 0.50% · 4.625%
HK$15,453
+HK$773/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,360/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,023
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,490
−HK$475/mo
Today · 4.125%
HK$15,965
baseline
▲ 0.50% · 4.625%
HK$16,936
+HK$971/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,930/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,713
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,161
−HK$454/mo
Today · 4.125%
HK$17,615
baseline
▲ 0.50% · 4.625%
HK$18,544
+HK$929/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,230/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,526
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,072
−HK$553/mo
Today · 4.125%
HK$18,625
baseline
▲ 0.50% · 4.625%
HK$19,759
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,250/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,498
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,021
−HK$530/mo
Today · 4.125%
HK$20,551
baseline
▲ 0.50% · 4.625%
HK$21,635
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,102/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,534
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,235
−HK$712/mo
Today · 4.125%
HK$23,947
baseline
▲ 0.50% · 4.625%
HK$25,404
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,894/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,069
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,741
−HK$682/mo
Today · 4.125%
HK$26,423
baseline
▲ 0.50% · 4.625%
HK$27,816
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,846/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,528 · 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).