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$12,758
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,155
−HK$403/mo
Today · 4.125%
HK$13,558
baseline
▲ 0.50% · 4.625%
HK$14,383
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,116/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,193
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,574
−HK$386/mo
Today · 4.125%
HK$14,960
baseline
▲ 0.50% · 4.625%
HK$15,749
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,920/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,310
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,786
−HK$484/mo
Today · 4.125%
HK$16,270
baseline
▲ 0.50% · 4.625%
HK$17,260
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,540/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,032
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,489
−HK$463/mo
Today · 4.125%
HK$17,952
baseline
▲ 0.50% · 4.625%
HK$18,898
+HK$946/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,904/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,861
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,417
−HK$564/mo
Today · 4.125%
HK$18,981
baseline
▲ 0.50% · 4.625%
HK$20,136
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,962/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,871
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,403
−HK$541/mo
Today · 4.125%
HK$20,944
baseline
▲ 0.50% · 4.625%
HK$22,048
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,888/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,965
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,679
−HK$726/mo
Today · 4.125%
HK$24,405
baseline
▲ 0.50% · 4.625%
HK$25,890
+HK$1,485/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,810/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,548
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,233
−HK$695/mo
Today · 4.125%
HK$26,928
baseline
▲ 0.50% · 4.625%
HK$28,348
+HK$1,420/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,856/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,889 · 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).