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$12,388
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,773
−HK$392/mo
Today · 4.125%
HK$13,165
baseline
▲ 0.50% · 4.625%
HK$13,966
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,330/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,782
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,151
−HK$375/mo
Today · 4.125%
HK$14,526
baseline
▲ 0.50% · 4.625%
HK$15,292
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,052/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,866
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,328
−HK$470/mo
Today · 4.125%
HK$15,798
baseline
▲ 0.50% · 4.625%
HK$16,759
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,596/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,538
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,981
−HK$450/mo
Today · 4.125%
HK$17,431
baseline
▲ 0.50% · 4.625%
HK$18,350
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,862/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,343
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,883
−HK$548/mo
Today · 4.125%
HK$18,431
baseline
▲ 0.50% · 4.625%
HK$19,552
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,862/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,294
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,812
−HK$525/mo
Today · 4.125%
HK$20,337
baseline
▲ 0.50% · 4.625%
HK$21,409
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,674/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,298
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,992
−HK$705/mo
Today · 4.125%
HK$23,697
baseline
▲ 0.50% · 4.625%
HK$25,139
+HK$1,442/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,394/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,807
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,472
−HK$675/mo
Today · 4.125%
HK$26,147
baseline
▲ 0.50% · 4.625%
HK$27,525
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,294/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,237 · 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).