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$12,901
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,302
−HK$408/mo
Today · 4.125%
HK$13,710
baseline
▲ 0.50% · 4.625%
HK$14,544
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,420/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,352
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,737
−HK$390/mo
Today · 4.125%
HK$15,127
baseline
▲ 0.50% · 4.625%
HK$15,925
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,254/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,481
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,963
−HK$489/mo
Today · 4.125%
HK$16,452
baseline
▲ 0.50% · 4.625%
HK$17,453
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,904/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,222
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,684
−HK$469/mo
Today · 4.125%
HK$18,153
baseline
▲ 0.50% · 4.625%
HK$19,110
+HK$957/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,306/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,061
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,623
−HK$571/mo
Today · 4.125%
HK$19,194
baseline
▲ 0.50% · 4.625%
HK$20,362
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,388/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,093
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,632
−HK$546/mo
Today · 4.125%
HK$21,178
baseline
▲ 0.50% · 4.625%
HK$22,295
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,356/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,221
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,944
−HK$734/mo
Today · 4.125%
HK$24,678
baseline
▲ 0.50% · 4.625%
HK$26,179
+HK$1,501/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,356/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,834
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,527
−HK$702/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,665
+HK$1,436/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,297 · 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).