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$12,988
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,392
−HK$410/mo
Today · 4.125%
HK$13,802
baseline
▲ 0.50% · 4.625%
HK$14,642
+HK$840/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,604/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,449
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,836
−HK$393/mo
Today · 4.125%
HK$15,229
baseline
▲ 0.50% · 4.625%
HK$16,032
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,458/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$128,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,585
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,070
−HK$493/mo
Today · 4.125%
HK$16,563
baseline
▲ 0.50% · 4.625%
HK$17,571
+HK$1,008/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,126/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,339
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,804
−HK$471/mo
Today · 4.125%
HK$18,275
baseline
▲ 0.50% · 4.625%
HK$19,239
+HK$964/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,550/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,183
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,749
−HK$574/mo
Today · 4.125%
HK$19,323
baseline
▲ 0.50% · 4.625%
HK$20,499
+HK$1,176/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$38,646/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,228
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,771
−HK$550/mo
Today · 4.125%
HK$21,321
baseline
▲ 0.50% · 4.625%
HK$22,445
+HK$1,124/mo
Deposit HK$1.71M · loan HK$3.99M · min. income ≈ HK$42,642/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,378
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,105
−HK$739/mo
Today · 4.125%
HK$24,844
baseline
▲ 0.50% · 4.625%
HK$26,356
+HK$1,512/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$49,688/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,008
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,705
−HK$708/mo
Today · 4.125%
HK$27,413
baseline
▲ 0.50% · 4.625%
HK$28,858
+HK$1,445/mo
Deposit HK$570K · loan HK$5.13M · min. income ≈ HK$54,826/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$128,155 · 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).