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$12,846
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,246
−HK$406/mo
Today · 4.125%
HK$13,652
baseline
▲ 0.50% · 4.625%
HK$14,482
+HK$830/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,304/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,291
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$389/mo
Today · 4.125%
HK$15,063
baseline
▲ 0.50% · 4.625%
HK$15,857
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,126/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,415
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,895
−HK$487/mo
Today · 4.125%
HK$16,382
baseline
▲ 0.50% · 4.625%
HK$17,379
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,764/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,149
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,609
−HK$467/mo
Today · 4.125%
HK$18,076
baseline
▲ 0.50% · 4.625%
HK$19,029
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,152/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,984
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,544
−HK$568/mo
Today · 4.125%
HK$19,112
baseline
▲ 0.50% · 4.625%
HK$20,275
+HK$1,163/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,224/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,007
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,544
−HK$544/mo
Today · 4.125%
HK$21,088
baseline
▲ 0.50% · 4.625%
HK$22,200
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,176/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,123
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,842
−HK$731/mo
Today · 4.125%
HK$24,573
baseline
▲ 0.50% · 4.625%
HK$26,068
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,146/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,724
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,414
−HK$700/mo
Today · 4.125%
HK$27,114
baseline
▲ 0.50% · 4.625%
HK$28,543
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,228/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,756 · 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).