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$12,911
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$408/mo
Today · 4.125%
HK$13,720
baseline
▲ 0.50% · 4.625%
HK$14,555
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,440/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,363
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,748
−HK$391/mo
Today · 4.125%
HK$15,139
baseline
▲ 0.50% · 4.625%
HK$15,937
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,278/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,493
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,975
−HK$489/mo
Today · 4.125%
HK$16,464
baseline
▲ 0.50% · 4.625%
HK$17,466
+HK$1,002/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$32,928/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,236
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,698
−HK$469/mo
Today · 4.125%
HK$18,167
baseline
▲ 0.50% · 4.625%
HK$19,124
+HK$957/mo
Deposit HK$2.26M · loan HK$3.40M · min. income ≈ HK$36,334/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,075
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,637
−HK$571/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,377
+HK$1,169/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,416/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,108
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,648
−HK$547/mo
Today · 4.125%
HK$21,195
baseline
▲ 0.50% · 4.625%
HK$22,312
+HK$1,117/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,390/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,239
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,962
−HK$735/mo
Today · 4.125%
HK$24,697
baseline
▲ 0.50% · 4.625%
HK$26,199
+HK$1,502/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,394/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,853
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,547
−HK$703/mo
Today · 4.125%
HK$27,250
baseline
▲ 0.50% · 4.625%
HK$28,687
+HK$1,437/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,500/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,395 · 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).