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$12,495
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,884
−HK$395/mo
Today · 4.125%
HK$13,279
baseline
▲ 0.50% · 4.625%
HK$14,087
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,558/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,901
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,274
−HK$378/mo
Today · 4.125%
HK$14,652
baseline
▲ 0.50% · 4.625%
HK$15,424
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,304/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,994
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,461
−HK$474/mo
Today · 4.125%
HK$15,935
baseline
▲ 0.50% · 4.625%
HK$16,904
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,870/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,681
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,128
−HK$454/mo
Today · 4.125%
HK$17,582
baseline
▲ 0.50% · 4.625%
HK$18,509
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,164/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,493
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,038
−HK$552/mo
Today · 4.125%
HK$18,590
baseline
▲ 0.50% · 4.625%
HK$19,722
+HK$1,132/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,180/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,461
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,983
−HK$530/mo
Today · 4.125%
HK$20,513
baseline
▲ 0.50% · 4.625%
HK$21,594
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,026/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,491
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,191
−HK$711/mo
Today · 4.125%
HK$23,902
baseline
▲ 0.50% · 4.625%
HK$25,356
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,804/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,022
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,693
−HK$680/mo
Today · 4.125%
HK$26,373
baseline
▲ 0.50% · 4.625%
HK$27,764
+HK$1,391/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,746/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,295 · 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).