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$12,283
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,665
−HK$388/mo
Today · 4.125%
HK$13,053
baseline
▲ 0.50% · 4.625%
HK$13,848
+HK$795/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,106/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,665
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,031
−HK$372/mo
Today · 4.125%
HK$14,403
baseline
▲ 0.50% · 4.625%
HK$15,162
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,806/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,740
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,198
−HK$466/mo
Today · 4.125%
HK$15,664
baseline
▲ 0.50% · 4.625%
HK$16,617
+HK$953/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,328/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,398
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,838
−HK$446/mo
Today · 4.125%
HK$17,284
baseline
▲ 0.50% · 4.625%
HK$18,195
+HK$911/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,568/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,196
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,731
−HK$544/mo
Today · 4.125%
HK$18,275
baseline
▲ 0.50% · 4.625%
HK$19,387
+HK$1,112/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,550/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,131
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,644
−HK$520/mo
Today · 4.125%
HK$20,164
baseline
▲ 0.50% · 4.625%
HK$21,227
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,328/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,109
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,797
−HK$699/mo
Today · 4.125%
HK$23,496
baseline
▲ 0.50% · 4.625%
HK$24,926
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$46,992/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,597
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,256
−HK$669/mo
Today · 4.125%
HK$25,925
baseline
▲ 0.50% · 4.625%
HK$27,292
+HK$1,367/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,850/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,201 · 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).