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$12,757
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,154
−HK$403/mo
Today · 4.125%
HK$13,557
baseline
▲ 0.50% · 4.625%
HK$14,382
+HK$825/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,114/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,192
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,573
−HK$386/mo
Today · 4.125%
HK$14,959
baseline
▲ 0.50% · 4.625%
HK$15,747
+HK$788/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,918/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,308
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,785
−HK$483/mo
Today · 4.125%
HK$16,268
baseline
▲ 0.50% · 4.625%
HK$17,258
+HK$990/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,536/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,030
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,487
−HK$463/mo
Today · 4.125%
HK$17,950
baseline
▲ 0.50% · 4.625%
HK$18,897
+HK$947/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,900/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,860
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,415
−HK$565/mo
Today · 4.125%
HK$18,980
baseline
▲ 0.50% · 4.625%
HK$20,135
+HK$1,155/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$37,960/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,869
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,402
−HK$540/mo
Today · 4.125%
HK$20,942
baseline
▲ 0.50% · 4.625%
HK$22,046
+HK$1,104/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,884/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,962
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,677
−HK$725/mo
Today · 4.125%
HK$24,402
baseline
▲ 0.50% · 4.625%
HK$25,887
+HK$1,485/mo
Deposit HK$559K · loan HK$5.04M · min. income ≈ HK$48,804/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,546
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,231
−HK$695/mo
Today · 4.125%
HK$26,926
baseline
▲ 0.50% · 4.625%
HK$28,345
+HK$1,419/mo
Deposit HK$559K · loan HK$5.04M · min. income ≈ HK$53,852/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,877 · 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).