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$12,452
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,839
−HK$394/mo
Today · 4.125%
HK$13,233
baseline
▲ 0.50% · 4.625%
HK$14,038
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,466/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,852
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,224
−HK$377/mo
Today · 4.125%
HK$14,601
baseline
▲ 0.50% · 4.625%
HK$15,371
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,202/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,942
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,407
−HK$472/mo
Today · 4.125%
HK$15,879
baseline
▲ 0.50% · 4.625%
HK$16,845
+HK$966/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$31,758/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,623
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,069
−HK$452/mo
Today · 4.125%
HK$17,521
baseline
▲ 0.50% · 4.625%
HK$18,445
+HK$924/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$35,042/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,432
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,975
−HK$551/mo
Today · 4.125%
HK$18,526
baseline
▲ 0.50% · 4.625%
HK$19,653
+HK$1,127/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,052/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,393
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,914
−HK$527/mo
Today · 4.125%
HK$20,441
baseline
▲ 0.50% · 4.625%
HK$21,519
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,882/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,413
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,110
−HK$709/mo
Today · 4.125%
HK$23,819
baseline
▲ 0.50% · 4.625%
HK$25,268
+HK$1,449/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,638/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,934
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,603
−HK$679/mo
Today · 4.125%
HK$26,282
baseline
▲ 0.50% · 4.625%
HK$27,667
+HK$1,385/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,564/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,866 · 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).