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$12,840
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,240
−HK$406/mo
Today · 4.125%
HK$13,646
baseline
▲ 0.50% · 4.625%
HK$14,476
+HK$830/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,292/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,285
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,668
−HK$389/mo
Today · 4.125%
HK$15,057
baseline
▲ 0.50% · 4.625%
HK$15,850
+HK$793/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,114/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,408
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,888
−HK$487/mo
Today · 4.125%
HK$16,375
baseline
▲ 0.50% · 4.625%
HK$17,371
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,750/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,142
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$467/mo
Today · 4.125%
HK$18,068
baseline
▲ 0.50% · 4.625%
HK$19,020
+HK$952/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,136/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,976
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,536
−HK$568/mo
Today · 4.125%
HK$19,104
baseline
▲ 0.50% · 4.625%
HK$20,266
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,208/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,999
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,535
−HK$544/mo
Today · 4.125%
HK$21,079
baseline
▲ 0.50% · 4.625%
HK$22,190
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,158/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,113
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,832
−HK$730/mo
Today · 4.125%
HK$24,562
baseline
▲ 0.50% · 4.625%
HK$26,057
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,124/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,713
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,402
−HK$700/mo
Today · 4.125%
HK$27,102
baseline
▲ 0.50% · 4.625%
HK$28,530
+HK$1,428/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,204/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,700 · 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).