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$12,036
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,411
−HK$380/mo
Today · 4.125%
HK$12,791
baseline
▲ 0.50% · 4.625%
HK$13,570
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,582/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,390
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,750
−HK$364/mo
Today · 4.125%
HK$14,114
baseline
▲ 0.50% · 4.625%
HK$14,858
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,228/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,444
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,893
−HK$456/mo
Today · 4.125%
HK$15,349
baseline
▲ 0.50% · 4.625%
HK$16,283
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,698/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,068
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,499
−HK$438/mo
Today · 4.125%
HK$16,937
baseline
▲ 0.50% · 4.625%
HK$17,829
+HK$892/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,874/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,851
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,375
−HK$533/mo
Today · 4.125%
HK$17,908
baseline
▲ 0.50% · 4.625%
HK$18,997
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,816/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,747
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,249
−HK$510/mo
Today · 4.125%
HK$19,759
baseline
▲ 0.50% · 4.625%
HK$20,801
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,518/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,666
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,340
−HK$684/mo
Today · 4.125%
HK$23,024
baseline
▲ 0.50% · 4.625%
HK$24,425
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,048/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,103
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,749
−HK$656/mo
Today · 4.125%
HK$25,405
baseline
▲ 0.50% · 4.625%
HK$26,744
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,810/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,768 · 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).