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$12,562
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,953
−HK$397/mo
Today · 4.125%
HK$13,350
baseline
▲ 0.50% · 4.625%
HK$14,163
+HK$813/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,700/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,976
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,350
−HK$381/mo
Today · 4.125%
HK$14,731
baseline
▲ 0.50% · 4.625%
HK$15,507
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,462/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,075
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,544
−HK$476/mo
Today · 4.125%
HK$16,020
baseline
▲ 0.50% · 4.625%
HK$16,995
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,040/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,771
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,221
−HK$456/mo
Today · 4.125%
HK$17,677
baseline
▲ 0.50% · 4.625%
HK$18,609
+HK$932/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,354/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,587
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,135
−HK$555/mo
Today · 4.125%
HK$18,690
baseline
▲ 0.50% · 4.625%
HK$19,828
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,380/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,566
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,091
−HK$532/mo
Today · 4.125%
HK$20,623
baseline
▲ 0.50% · 4.625%
HK$21,710
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,246/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,612
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,316
−HK$714/mo
Today · 4.125%
HK$24,030
baseline
▲ 0.50% · 4.625%
HK$25,493
+HK$1,463/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,060/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,156
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,831
−HK$684/mo
Today · 4.125%
HK$26,515
baseline
▲ 0.50% · 4.625%
HK$27,913
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,030/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,959 · 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).