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$12,562
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$397/mo
Today · 4.125%
HK$13,349
baseline
▲ 0.50% · 4.625%
HK$14,162
+HK$813/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,698/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,975
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,349
−HK$381/mo
Today · 4.125%
HK$14,730
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,460/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,074
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,543
−HK$476/mo
Today · 4.125%
HK$16,019
baseline
▲ 0.50% · 4.625%
HK$16,994
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,038/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,769
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,219
−HK$456/mo
Today · 4.125%
HK$17,675
baseline
▲ 0.50% · 4.625%
HK$18,607
+HK$932/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,350/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,586
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,133
−HK$556/mo
Today · 4.125%
HK$18,689
baseline
▲ 0.50% · 4.625%
HK$19,826
+HK$1,137/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,378/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,564
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,089
−HK$532/mo
Today · 4.125%
HK$20,621
baseline
▲ 0.50% · 4.625%
HK$21,708
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,242/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,611
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,314
−HK$715/mo
Today · 4.125%
HK$24,029
baseline
▲ 0.50% · 4.625%
HK$25,491
+HK$1,462/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,058/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,154
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,829
−HK$684/mo
Today · 4.125%
HK$26,513
baseline
▲ 0.50% · 4.625%
HK$27,911
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,026/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,949 · 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).