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$12,142
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,519
−HK$384/mo
Today · 4.125%
HK$12,903
baseline
▲ 0.50% · 4.625%
HK$13,688
+HK$785/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,806/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,507
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,870
−HK$367/mo
Today · 4.125%
HK$14,237
baseline
▲ 0.50% · 4.625%
HK$14,988
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,474/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,570
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,023
−HK$460/mo
Today · 4.125%
HK$15,483
baseline
▲ 0.50% · 4.625%
HK$16,426
+HK$943/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,966/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,209
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,643
−HK$441/mo
Today · 4.125%
HK$17,084
baseline
▲ 0.50% · 4.625%
HK$17,985
+HK$901/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,168/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,998
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,527
−HK$537/mo
Today · 4.125%
HK$18,064
baseline
▲ 0.50% · 4.625%
HK$19,163
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,128/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,910
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,417
−HK$515/mo
Today · 4.125%
HK$19,932
baseline
▲ 0.50% · 4.625%
HK$20,983
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,864/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,855
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,535
−HK$690/mo
Today · 4.125%
HK$23,225
baseline
▲ 0.50% · 4.625%
HK$24,638
+HK$1,413/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,450/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,313
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,965
−HK$662/mo
Today · 4.125%
HK$25,627
baseline
▲ 0.50% · 4.625%
HK$26,978
+HK$1,351/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,254/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,805 · 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).