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$12,910
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,311
−HK$408/mo
Today · 4.125%
HK$13,719
baseline
▲ 0.50% · 4.625%
HK$14,554
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,438/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,362
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,747
−HK$391/mo
Today · 4.125%
HK$15,138
baseline
▲ 0.50% · 4.625%
HK$15,936
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,276/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,492
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,974
−HK$489/mo
Today · 4.125%
HK$16,463
baseline
▲ 0.50% · 4.625%
HK$17,465
+HK$1,002/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,926/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,234
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,697
−HK$469/mo
Today · 4.125%
HK$18,166
baseline
▲ 0.50% · 4.625%
HK$19,123
+HK$957/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,332/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,074
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,636
−HK$571/mo
Today · 4.125%
HK$19,207
baseline
▲ 0.50% · 4.625%
HK$20,376
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,414/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,107
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,646
−HK$547/mo
Today · 4.125%
HK$21,193
baseline
▲ 0.50% · 4.625%
HK$22,310
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,386/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,238
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,960
−HK$735/mo
Today · 4.125%
HK$24,695
baseline
▲ 0.50% · 4.625%
HK$26,197
+HK$1,502/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,390/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,852
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,545
−HK$703/mo
Today · 4.125%
HK$27,248
baseline
▲ 0.50% · 4.625%
HK$28,685
+HK$1,437/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,496/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,385 · 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).