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$12,959
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,362
−HK$410/mo
Today · 4.125%
HK$13,772
baseline
▲ 0.50% · 4.625%
HK$14,610
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,544/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,417
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,803
−HK$393/mo
Today · 4.125%
HK$15,196
baseline
▲ 0.50% · 4.625%
HK$15,997
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,392/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,551
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,035
−HK$491/mo
Today · 4.125%
HK$16,526
baseline
▲ 0.50% · 4.625%
HK$17,532
+HK$1,006/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,052/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,300
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,764
−HK$471/mo
Today · 4.125%
HK$18,235
baseline
▲ 0.50% · 4.625%
HK$19,196
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,470/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,143
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,707
−HK$573/mo
Today · 4.125%
HK$19,280
baseline
▲ 0.50% · 4.625%
HK$20,454
+HK$1,174/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,560/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,184
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,725
−HK$549/mo
Today · 4.125%
HK$21,274
baseline
▲ 0.50% · 4.625%
HK$22,395
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,548/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,326
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,052
−HK$737/mo
Today · 4.125%
HK$24,789
baseline
▲ 0.50% · 4.625%
HK$26,297
+HK$1,508/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,578/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,950
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,646
−HK$706/mo
Today · 4.125%
HK$27,352
baseline
▲ 0.50% · 4.625%
HK$28,794
+HK$1,442/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,704/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,871 · 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).