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$12,608
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,001
−HK$398/mo
Today · 4.125%
HK$13,399
baseline
▲ 0.50% · 4.625%
HK$14,214
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,798/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,027
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,403
−HK$382/mo
Today · 4.125%
HK$14,785
baseline
▲ 0.50% · 4.625%
HK$15,564
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,570/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,130
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,601
−HK$478/mo
Today · 4.125%
HK$16,079
baseline
▲ 0.50% · 4.625%
HK$17,057
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,158/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,832
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,283
−HK$458/mo
Today · 4.125%
HK$17,741
baseline
▲ 0.50% · 4.625%
HK$18,677
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,482/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,652
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,201
−HK$558/mo
Today · 4.125%
HK$18,759
baseline
▲ 0.50% · 4.625%
HK$19,900
+HK$1,141/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,518/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,637
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,164
−HK$534/mo
Today · 4.125%
HK$20,698
baseline
▲ 0.50% · 4.625%
HK$21,789
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,396/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,695
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,401
−HK$717/mo
Today · 4.125%
HK$24,118
baseline
▲ 0.50% · 4.625%
HK$25,586
+HK$1,468/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,236/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,248
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,925
−HK$687/mo
Today · 4.125%
HK$26,612
baseline
▲ 0.50% · 4.625%
HK$28,015
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,224/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,411 · 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).