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$12,744
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,141
−HK$403/mo
Today · 4.125%
HK$13,544
baseline
▲ 0.50% · 4.625%
HK$14,368
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,088/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,178
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,558
−HK$386/mo
Today · 4.125%
HK$14,944
baseline
▲ 0.50% · 4.625%
HK$15,732
+HK$788/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,888/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,293
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,769
−HK$483/mo
Today · 4.125%
HK$16,252
baseline
▲ 0.50% · 4.625%
HK$17,241
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,504/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,014
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,470
−HK$463/mo
Today · 4.125%
HK$17,933
baseline
▲ 0.50% · 4.625%
HK$18,878
+HK$945/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,866/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,842
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,397
−HK$564/mo
Today · 4.125%
HK$18,961
baseline
▲ 0.50% · 4.625%
HK$20,115
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,922/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,849
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,382
−HK$540/mo
Today · 4.125%
HK$20,922
baseline
▲ 0.50% · 4.625%
HK$22,025
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,844/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,940
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,654
−HK$725/mo
Today · 4.125%
HK$24,379
baseline
▲ 0.50% · 4.625%
HK$25,862
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,758/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,521
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,205
−HK$694/mo
Today · 4.125%
HK$26,899
baseline
▲ 0.50% · 4.625%
HK$28,317
+HK$1,418/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,798/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,754 · 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).