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$12,407
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,793
−HK$392/mo
Today · 4.125%
HK$13,185
baseline
▲ 0.50% · 4.625%
HK$13,988
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,370/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,803
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,173
−HK$376/mo
Today · 4.125%
HK$14,549
baseline
▲ 0.50% · 4.625%
HK$15,316
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,098/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,889
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,352
−HK$470/mo
Today · 4.125%
HK$15,822
baseline
▲ 0.50% · 4.625%
HK$16,785
+HK$963/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,644/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,564
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,008
−HK$450/mo
Today · 4.125%
HK$17,458
baseline
▲ 0.50% · 4.625%
HK$18,379
+HK$921/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,916/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,370
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,910
−HK$549/mo
Today · 4.125%
HK$18,459
baseline
▲ 0.50% · 4.625%
HK$19,583
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,918/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,324
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,842
−HK$526/mo
Today · 4.125%
HK$20,368
baseline
▲ 0.50% · 4.625%
HK$21,442
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,736/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,333
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,028
−HK$705/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$25,178
+HK$1,445/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,845
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,512
−HK$676/mo
Today · 4.125%
HK$26,188
baseline
▲ 0.50% · 4.625%
HK$27,568
+HK$1,380/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,376/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,427 · 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).