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$12,831
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,230
−HK$405/mo
Today · 4.125%
HK$13,635
baseline
▲ 0.50% · 4.625%
HK$14,465
+HK$830/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,270/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,274
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,657
−HK$388/mo
Today · 4.125%
HK$15,045
baseline
▲ 0.50% · 4.625%
HK$15,838
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,090/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,397
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,876
−HK$486/mo
Today · 4.125%
HK$16,362
baseline
▲ 0.50% · 4.625%
HK$17,358
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,724/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,129
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,588
−HK$466/mo
Today · 4.125%
HK$18,054
baseline
▲ 0.50% · 4.625%
HK$19,006
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,108/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,963
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,522
−HK$568/mo
Today · 4.125%
HK$19,090
baseline
▲ 0.50% · 4.625%
HK$20,251
+HK$1,161/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,180/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,984
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,520
−HK$543/mo
Today · 4.125%
HK$21,063
baseline
▲ 0.50% · 4.625%
HK$22,174
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,126/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,095
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,814
−HK$730/mo
Today · 4.125%
HK$24,544
baseline
▲ 0.50% · 4.625%
HK$26,037
+HK$1,493/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$49,088/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,693
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,383
−HK$699/mo
Today · 4.125%
HK$27,082
baseline
▲ 0.50% · 4.625%
HK$28,509
+HK$1,427/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$54,164/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,606 · 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).