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$12,196
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,576
−HK$385/mo
Today · 4.125%
HK$12,961
baseline
▲ 0.50% · 4.625%
HK$13,750
+HK$789/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,922/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,568
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,932
−HK$369/mo
Today · 4.125%
HK$14,301
baseline
▲ 0.50% · 4.625%
HK$15,055
+HK$754/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,602/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,636
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,091
−HK$462/mo
Today · 4.125%
HK$15,553
baseline
▲ 0.50% · 4.625%
HK$16,500
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,106/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,282
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,719
−HK$443/mo
Today · 4.125%
HK$17,162
baseline
▲ 0.50% · 4.625%
HK$18,066
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,324/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,075
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,606
−HK$540/mo
Today · 4.125%
HK$18,146
baseline
▲ 0.50% · 4.625%
HK$19,250
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,292/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,996
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,505
−HK$517/mo
Today · 4.125%
HK$20,022
baseline
▲ 0.50% · 4.625%
HK$21,077
+HK$1,055/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,044/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,953
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,636
−HK$694/mo
Today · 4.125%
HK$23,330
baseline
▲ 0.50% · 4.625%
HK$24,750
+HK$1,420/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,660/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,423
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,078
−HK$664/mo
Today · 4.125%
HK$25,742
baseline
▲ 0.50% · 4.625%
HK$27,099
+HK$1,357/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,484/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,346 · 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).