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$12,159
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,538
−HK$384/mo
Today · 4.125%
HK$12,922
baseline
▲ 0.50% · 4.625%
HK$13,708
+HK$786/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,844/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,527
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,890
−HK$368/mo
Today · 4.125%
HK$14,258
baseline
▲ 0.50% · 4.625%
HK$15,010
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,516/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,591
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,045
−HK$461/mo
Today · 4.125%
HK$15,506
baseline
▲ 0.50% · 4.625%
HK$16,450
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,012/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,233
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,668
−HK$442/mo
Today · 4.125%
HK$17,110
baseline
▲ 0.50% · 4.625%
HK$18,011
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,220/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,023
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,553
−HK$538/mo
Today · 4.125%
HK$18,091
baseline
▲ 0.50% · 4.625%
HK$19,191
+HK$1,100/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,182/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,938
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,446
−HK$515/mo
Today · 4.125%
HK$19,961
baseline
▲ 0.50% · 4.625%
HK$21,013
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,922/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,887
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,568
−HK$691/mo
Today · 4.125%
HK$23,259
baseline
▲ 0.50% · 4.625%
HK$24,675
+HK$1,416/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,518/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,349
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$25,002
−HK$662/mo
Today · 4.125%
HK$25,664
baseline
▲ 0.50% · 4.625%
HK$27,017
+HK$1,353/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,328/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,981 · 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).