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$12,698
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,093
−HK$401/mo
Today · 4.125%
HK$13,494
baseline
▲ 0.50% · 4.625%
HK$14,315
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,988/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,126
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,505
−HK$384/mo
Today · 4.125%
HK$14,889
baseline
▲ 0.50% · 4.625%
HK$15,674
+HK$785/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,778/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,237
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,711
−HK$482/mo
Today · 4.125%
HK$16,193
baseline
▲ 0.50% · 4.625%
HK$17,178
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,386/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,951
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,406
−HK$461/mo
Today · 4.125%
HK$17,867
baseline
▲ 0.50% · 4.625%
HK$18,809
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,734/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,777
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,330
−HK$561/mo
Today · 4.125%
HK$18,891
baseline
▲ 0.50% · 4.625%
HK$20,041
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,782/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,776
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,307
−HK$538/mo
Today · 4.125%
HK$20,845
baseline
▲ 0.50% · 4.625%
HK$21,943
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,690/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,856
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,567
−HK$722/mo
Today · 4.125%
HK$24,289
baseline
▲ 0.50% · 4.625%
HK$25,767
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,578/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,427
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,109
−HK$691/mo
Today · 4.125%
HK$26,800
baseline
▲ 0.50% · 4.625%
HK$28,213
+HK$1,413/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,600/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,291 · 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).