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$12,606
−HK$791/mo
▼ 0.25% · 3.875%
HK$12,998
−HK$399/mo
Today · 4.125%
HK$13,397
baseline
▲ 0.50% · 4.625%
HK$14,212
+HK$815/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,794/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,024
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,400
−HK$382/mo
Today · 4.125%
HK$14,782
baseline
▲ 0.50% · 4.625%
HK$15,561
+HK$779/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,564/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,127
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,598
−HK$478/mo
Today · 4.125%
HK$16,076
baseline
▲ 0.50% · 4.625%
HK$17,054
+HK$978/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,152/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,829
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,280
−HK$458/mo
Today · 4.125%
HK$17,738
baseline
▲ 0.50% · 4.625%
HK$18,673
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,476/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,649
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,198
−HK$557/mo
Today · 4.125%
HK$18,755
baseline
▲ 0.50% · 4.625%
HK$19,897
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,510/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,634
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,160
−HK$535/mo
Today · 4.125%
HK$20,695
baseline
▲ 0.50% · 4.625%
HK$21,785
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,390/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,691
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,397
−HK$717/mo
Today · 4.125%
HK$24,114
baseline
▲ 0.50% · 4.625%
HK$25,581
+HK$1,467/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,228/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,244
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,921
−HK$686/mo
Today · 4.125%
HK$26,607
baseline
▲ 0.50% · 4.625%
HK$28,010
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,214/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$124,389 · 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).