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$12,332
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,715
−HK$390/mo
Today · 4.125%
HK$13,105
baseline
▲ 0.50% · 4.625%
HK$13,902
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,210/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,719
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,087
−HK$373/mo
Today · 4.125%
HK$14,460
baseline
▲ 0.50% · 4.625%
HK$15,222
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,920/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,798
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,258
−HK$468/mo
Today · 4.125%
HK$15,726
baseline
▲ 0.50% · 4.625%
HK$16,683
+HK$957/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,452/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,463
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,904
−HK$448/mo
Today · 4.125%
HK$17,352
baseline
▲ 0.50% · 4.625%
HK$18,267
+HK$915/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,704/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,264
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,801
−HK$546/mo
Today · 4.125%
HK$18,347
baseline
▲ 0.50% · 4.625%
HK$19,463
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,694/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,206
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,721
−HK$523/mo
Today · 4.125%
HK$20,244
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,488/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,197
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,887
−HK$702/mo
Today · 4.125%
HK$23,589
baseline
▲ 0.50% · 4.625%
HK$25,024
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,178/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,694
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,356
−HK$672/mo
Today · 4.125%
HK$26,028
baseline
▲ 0.50% · 4.625%
HK$27,400
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,056/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,680 · 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).