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$12,872
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,273
−HK$406/mo
Today · 4.125%
HK$13,679
baseline
▲ 0.50% · 4.625%
HK$14,512
+HK$833/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,358/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,320
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,704
−HK$390/mo
Today · 4.125%
HK$15,094
baseline
▲ 0.50% · 4.625%
HK$15,890
+HK$796/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,188/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,447
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,927
−HK$488/mo
Today · 4.125%
HK$16,415
baseline
▲ 0.50% · 4.625%
HK$17,414
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,830/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,184
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,645
−HK$468/mo
Today · 4.125%
HK$18,113
baseline
▲ 0.50% · 4.625%
HK$19,068
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,226/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,021
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,582
−HK$569/mo
Today · 4.125%
HK$19,151
baseline
▲ 0.50% · 4.625%
HK$20,317
+HK$1,166/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,302/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,048
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,586
−HK$546/mo
Today · 4.125%
HK$21,132
baseline
▲ 0.50% · 4.625%
HK$22,245
+HK$1,113/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,264/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,170
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,891
−HK$732/mo
Today · 4.125%
HK$24,623
baseline
▲ 0.50% · 4.625%
HK$26,121
+HK$1,498/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,246/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,777
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,468
−HK$701/mo
Today · 4.125%
HK$27,169
baseline
▲ 0.50% · 4.625%
HK$28,601
+HK$1,432/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,338/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,015 · 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).