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$12,935
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,337
−HK$409/mo
Today · 4.125%
HK$13,746
baseline
▲ 0.50% · 4.625%
HK$14,582
+HK$836/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,492/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,390
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,776
−HK$391/mo
Today · 4.125%
HK$15,167
baseline
▲ 0.50% · 4.625%
HK$15,967
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,334/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,522
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,005
−HK$490/mo
Today · 4.125%
HK$16,495
baseline
▲ 0.50% · 4.625%
HK$17,499
+HK$1,004/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,990/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,268
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,731
−HK$470/mo
Today · 4.125%
HK$18,201
baseline
▲ 0.50% · 4.625%
HK$19,160
+HK$959/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,402/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,109
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,672
−HK$573/mo
Today · 4.125%
HK$19,245
baseline
▲ 0.50% · 4.625%
HK$20,415
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,490/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,146
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,686
−HK$548/mo
Today · 4.125%
HK$21,234
baseline
▲ 0.50% · 4.625%
HK$22,354
+HK$1,120/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,468/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,283
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,007
−HK$736/mo
Today · 4.125%
HK$24,743
baseline
▲ 0.50% · 4.625%
HK$26,248
+HK$1,505/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$49,486/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,902
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,597
−HK$704/mo
Today · 4.125%
HK$27,301
baseline
▲ 0.50% · 4.625%
HK$28,740
+HK$1,439/mo
Deposit HK$567K · loan HK$5.11M · min. income ≈ HK$54,602/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,634 · 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).