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$12,498
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,886
−HK$395/mo
Today · 4.125%
HK$13,281
baseline
▲ 0.50% · 4.625%
HK$14,089
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,562/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,903
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,276
−HK$379/mo
Today · 4.125%
HK$14,655
baseline
▲ 0.50% · 4.625%
HK$15,427
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,310/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,997
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,464
−HK$473/mo
Today · 4.125%
HK$15,937
baseline
▲ 0.50% · 4.625%
HK$16,907
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,874/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,684
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,132
−HK$453/mo
Today · 4.125%
HK$17,585
baseline
▲ 0.50% · 4.625%
HK$18,512
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,170/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,497
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,041
−HK$553/mo
Today · 4.125%
HK$18,594
baseline
▲ 0.50% · 4.625%
HK$19,725
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,188/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,465
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,987
−HK$529/mo
Today · 4.125%
HK$20,516
baseline
▲ 0.50% · 4.625%
HK$21,598
+HK$1,082/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,032/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,496
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,195
−HK$711/mo
Today · 4.125%
HK$23,906
baseline
▲ 0.50% · 4.625%
HK$25,361
+HK$1,455/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,812/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,026
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,697
−HK$681/mo
Today · 4.125%
HK$26,378
baseline
▲ 0.50% · 4.625%
HK$27,769
+HK$1,391/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,756/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,318 · 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).