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$12,848
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,248
−HK$406/mo
Today · 4.125%
HK$13,654
baseline
▲ 0.50% · 4.625%
HK$14,485
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,308/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,293
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,677
−HK$389/mo
Today · 4.125%
HK$15,066
baseline
▲ 0.50% · 4.625%
HK$15,860
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,132/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,418
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,897
−HK$488/mo
Today · 4.125%
HK$16,385
baseline
▲ 0.50% · 4.625%
HK$17,382
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,770/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,152
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,612
−HK$467/mo
Today · 4.125%
HK$18,079
baseline
▲ 0.50% · 4.625%
HK$19,032
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,158/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,987
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,547
−HK$568/mo
Today · 4.125%
HK$19,115
baseline
▲ 0.50% · 4.625%
HK$20,279
+HK$1,164/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,230/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,011
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,548
−HK$544/mo
Today · 4.125%
HK$21,092
baseline
▲ 0.50% · 4.625%
HK$22,204
+HK$1,112/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,184/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,127
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,846
−HK$731/mo
Today · 4.125%
HK$24,577
baseline
▲ 0.50% · 4.625%
HK$26,072
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,154/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,728
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,418
−HK$700/mo
Today · 4.125%
HK$27,118
baseline
▲ 0.50% · 4.625%
HK$28,548
+HK$1,430/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,236/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,777 · 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).