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$12,084
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,460
−HK$382/mo
Today · 4.125%
HK$12,842
baseline
▲ 0.50% · 4.625%
HK$13,624
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,684/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,444
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,804
−HK$366/mo
Today · 4.125%
HK$14,170
baseline
▲ 0.50% · 4.625%
HK$14,917
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,340/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,501
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,952
−HK$459/mo
Today · 4.125%
HK$15,411
baseline
▲ 0.50% · 4.625%
HK$16,348
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,822/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,132
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,565
−HK$439/mo
Today · 4.125%
HK$17,004
baseline
▲ 0.50% · 4.625%
HK$17,900
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,008/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,918
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,444
−HK$535/mo
Today · 4.125%
HK$17,979
baseline
▲ 0.50% · 4.625%
HK$19,073
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,958/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,821
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,326
−HK$512/mo
Today · 4.125%
HK$19,838
baseline
▲ 0.50% · 4.625%
HK$20,884
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,676/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,752
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,428
−HK$688/mo
Today · 4.125%
HK$23,116
baseline
▲ 0.50% · 4.625%
HK$24,522
+HK$1,406/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,232/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,199
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,848
−HK$658/mo
Today · 4.125%
HK$25,506
baseline
▲ 0.50% · 4.625%
HK$26,850
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,012/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,240 · 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).