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$12,725
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,121
−HK$402/mo
Today · 4.125%
HK$13,523
baseline
▲ 0.50% · 4.625%
HK$14,346
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,046/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,156
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,536
−HK$385/mo
Today · 4.125%
HK$14,921
baseline
▲ 0.50% · 4.625%
HK$15,708
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,842/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,270
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,745
−HK$483/mo
Today · 4.125%
HK$16,228
baseline
▲ 0.50% · 4.625%
HK$17,215
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,456/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,988
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,443
−HK$462/mo
Today · 4.125%
HK$17,905
baseline
▲ 0.50% · 4.625%
HK$18,849
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,810/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,815
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,369
−HK$563/mo
Today · 4.125%
HK$18,932
baseline
▲ 0.50% · 4.625%
HK$20,084
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,864/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,819
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,350
−HK$540/mo
Today · 4.125%
HK$20,890
baseline
▲ 0.50% · 4.625%
HK$21,991
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,780/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,905
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,617
−HK$724/mo
Today · 4.125%
HK$24,341
baseline
▲ 0.50% · 4.625%
HK$25,822
+HK$1,481/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,682/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,482
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,165
−HK$693/mo
Today · 4.125%
HK$26,858
baseline
▲ 0.50% · 4.625%
HK$28,274
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,716/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,562 · 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).