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$12,362
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,746
−HK$391/mo
Today · 4.125%
HK$13,137
baseline
▲ 0.50% · 4.625%
HK$13,936
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,274/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,752
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,121
−HK$374/mo
Today · 4.125%
HK$14,495
baseline
▲ 0.50% · 4.625%
HK$15,259
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,990/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,834
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,295
−HK$469/mo
Today · 4.125%
HK$15,764
baseline
▲ 0.50% · 4.625%
HK$16,723
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,528/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,502
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,945
−HK$449/mo
Today · 4.125%
HK$17,394
baseline
▲ 0.50% · 4.625%
HK$18,311
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,788/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,306
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,844
−HK$547/mo
Today · 4.125%
HK$18,391
baseline
▲ 0.50% · 4.625%
HK$19,510
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,782/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,253
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,769
−HK$524/mo
Today · 4.125%
HK$20,293
baseline
▲ 0.50% · 4.625%
HK$21,363
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,586/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,251
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$703/mo
Today · 4.125%
HK$23,646
baseline
▲ 0.50% · 4.625%
HK$25,085
+HK$1,439/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,292/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,754
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,418
−HK$673/mo
Today · 4.125%
HK$26,091
baseline
▲ 0.50% · 4.625%
HK$27,466
+HK$1,375/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,182/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,975 · 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).