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$12,287
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,669
−HK$388/mo
Today · 4.125%
HK$13,057
baseline
▲ 0.50% · 4.625%
HK$13,852
+HK$795/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,114/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,669
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,036
−HK$371/mo
Today · 4.125%
HK$14,407
baseline
▲ 0.50% · 4.625%
HK$15,167
+HK$760/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,814/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,744
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,203
−HK$466/mo
Today · 4.125%
HK$15,669
baseline
▲ 0.50% · 4.625%
HK$16,622
+HK$953/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,338/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,403
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,843
−HK$446/mo
Today · 4.125%
HK$17,289
baseline
▲ 0.50% · 4.625%
HK$18,200
+HK$911/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,578/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,202
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,737
−HK$543/mo
Today · 4.125%
HK$18,280
baseline
▲ 0.50% · 4.625%
HK$19,393
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,560/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,137
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,650
−HK$520/mo
Today · 4.125%
HK$20,170
baseline
▲ 0.50% · 4.625%
HK$21,234
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,340/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,116
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,804
−HK$699/mo
Today · 4.125%
HK$23,503
baseline
▲ 0.50% · 4.625%
HK$24,933
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,006/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,604
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,264
−HK$669/mo
Today · 4.125%
HK$25,933
baseline
▲ 0.50% · 4.625%
HK$27,300
+HK$1,367/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,866/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,238 · 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).