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$12,037
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,412
−HK$380/mo
Today · 4.125%
HK$12,792
baseline
▲ 0.50% · 4.625%
HK$13,571
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,584/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,391
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,751
−HK$364/mo
Today · 4.125%
HK$14,115
baseline
▲ 0.50% · 4.625%
HK$14,859
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,230/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,445
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,894
−HK$457/mo
Today · 4.125%
HK$15,351
baseline
▲ 0.50% · 4.625%
HK$16,285
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,702/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,070
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,501
−HK$437/mo
Today · 4.125%
HK$16,938
baseline
▲ 0.50% · 4.625%
HK$17,831
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,876/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,852
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,376
−HK$533/mo
Today · 4.125%
HK$17,909
baseline
▲ 0.50% · 4.625%
HK$18,999
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,818/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,748
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,251
−HK$510/mo
Today · 4.125%
HK$19,761
baseline
▲ 0.50% · 4.625%
HK$20,802
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,522/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,667
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,341
−HK$685/mo
Today · 4.125%
HK$23,026
baseline
▲ 0.50% · 4.625%
HK$24,427
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,052/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,104
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,751
−HK$656/mo
Today · 4.125%
HK$25,407
baseline
▲ 0.50% · 4.625%
HK$26,746
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,814/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,776 · 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).