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$12,379
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,764
−HK$392/mo
Today · 4.125%
HK$13,156
baseline
▲ 0.50% · 4.625%
HK$13,956
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,312/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,772
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,141
−HK$375/mo
Today · 4.125%
HK$14,516
baseline
▲ 0.50% · 4.625%
HK$15,281
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,032/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,855
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,317
−HK$470/mo
Today · 4.125%
HK$15,787
baseline
▲ 0.50% · 4.625%
HK$16,747
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,574/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,526
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,970
−HK$449/mo
Today · 4.125%
HK$17,419
baseline
▲ 0.50% · 4.625%
HK$18,337
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,838/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,331
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,870
−HK$548/mo
Today · 4.125%
HK$18,418
baseline
▲ 0.50% · 4.625%
HK$19,539
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,836/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,281
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,798
−HK$524/mo
Today · 4.125%
HK$20,322
baseline
▲ 0.50% · 4.625%
HK$21,394
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,644/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,283
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,976
−HK$704/mo
Today · 4.125%
HK$23,680
baseline
▲ 0.50% · 4.625%
HK$25,121
+HK$1,441/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,360/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,789
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,454
−HK$675/mo
Today · 4.125%
HK$26,129
baseline
▲ 0.50% · 4.625%
HK$27,506
+HK$1,377/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,258/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,152 · 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).