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$12,704
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,099
−HK$402/mo
Today · 4.125%
HK$13,501
baseline
▲ 0.50% · 4.625%
HK$14,322
+HK$821/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,002/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,133
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,512
−HK$385/mo
Today · 4.125%
HK$14,897
baseline
▲ 0.50% · 4.625%
HK$15,682
+HK$785/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,794/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,245
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,719
−HK$482/mo
Today · 4.125%
HK$16,201
baseline
▲ 0.50% · 4.625%
HK$17,187
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,402/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,960
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,415
−HK$461/mo
Today · 4.125%
HK$17,876
baseline
▲ 0.50% · 4.625%
HK$18,818
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,752/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,786
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,339
−HK$562/mo
Today · 4.125%
HK$18,901
baseline
▲ 0.50% · 4.625%
HK$20,051
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,802/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,786
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,317
−HK$538/mo
Today · 4.125%
HK$20,855
baseline
▲ 0.50% · 4.625%
HK$21,955
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,710/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,867
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,579
−HK$722/mo
Today · 4.125%
HK$24,301
baseline
▲ 0.50% · 4.625%
HK$25,780
+HK$1,479/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,602/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,440
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,122
−HK$692/mo
Today · 4.125%
HK$26,814
baseline
▲ 0.50% · 4.625%
HK$28,227
+HK$1,413/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,628/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,355 · 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).