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$12,249
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,630
−HK$387/mo
Today · 4.125%
HK$13,017
baseline
▲ 0.50% · 4.625%
HK$13,809
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,034/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,626
−HK$737/mo
▼ 0.25% · 3.875%
HK$13,992
−HK$371/mo
Today · 4.125%
HK$14,363
baseline
▲ 0.50% · 4.625%
HK$15,120
+HK$757/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,726/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,698
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,155
−HK$465/mo
Today · 4.125%
HK$15,620
baseline
▲ 0.50% · 4.625%
HK$16,570
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,240/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,352
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,790
−HK$445/mo
Today · 4.125%
HK$17,235
baseline
▲ 0.50% · 4.625%
HK$18,144
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,470/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,148
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,681
−HK$542/mo
Today · 4.125%
HK$18,223
baseline
▲ 0.50% · 4.625%
HK$19,332
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,446/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,077
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,589
−HK$519/mo
Today · 4.125%
HK$20,108
baseline
▲ 0.50% · 4.625%
HK$21,167
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,216/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,047
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,733
−HK$697/mo
Today · 4.125%
HK$23,430
baseline
▲ 0.50% · 4.625%
HK$24,856
+HK$1,426/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,860/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,527
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,185
−HK$668/mo
Today · 4.125%
HK$25,853
baseline
▲ 0.50% · 4.625%
HK$27,215
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,706/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,860 · 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).