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$12,681
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,075
−HK$401/mo
Today · 4.125%
HK$13,476
baseline
▲ 0.50% · 4.625%
HK$14,296
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,952/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,107
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,486
−HK$384/mo
Today · 4.125%
HK$14,870
baseline
▲ 0.50% · 4.625%
HK$15,653
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,740/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,217
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,690
−HK$481/mo
Today · 4.125%
HK$16,171
baseline
▲ 0.50% · 4.625%
HK$17,155
+HK$984/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,342/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,929
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,383
−HK$460/mo
Today · 4.125%
HK$17,843
baseline
▲ 0.50% · 4.625%
HK$18,784
+HK$941/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,686/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,753
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,306
−HK$561/mo
Today · 4.125%
HK$18,867
baseline
▲ 0.50% · 4.625%
HK$20,015
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,734/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,750
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,280
−HK$537/mo
Today · 4.125%
HK$20,817
baseline
▲ 0.50% · 4.625%
HK$21,915
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,634/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,826
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,536
−HK$721/mo
Today · 4.125%
HK$24,257
baseline
▲ 0.50% · 4.625%
HK$25,733
+HK$1,476/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,514/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,393
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,074
−HK$691/mo
Today · 4.125%
HK$26,765
baseline
▲ 0.50% · 4.625%
HK$28,176
+HK$1,411/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,530/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,127 · 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).