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$12,882
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,283
−HK$407/mo
Today · 4.125%
HK$13,690
baseline
▲ 0.50% · 4.625%
HK$14,523
+HK$833/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,380/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,331
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,716
−HK$389/mo
Today · 4.125%
HK$15,105
baseline
▲ 0.50% · 4.625%
HK$15,902
+HK$797/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,210/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,459
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,939
−HK$489/mo
Today · 4.125%
HK$16,428
baseline
▲ 0.50% · 4.625%
HK$17,427
+HK$999/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,856/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,197
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,659
−HK$468/mo
Today · 4.125%
HK$18,127
baseline
▲ 0.50% · 4.625%
HK$19,082
+HK$955/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,254/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,035
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,596
−HK$570/mo
Today · 4.125%
HK$19,166
baseline
▲ 0.50% · 4.625%
HK$20,332
+HK$1,166/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$38,332/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,064
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,602
−HK$546/mo
Today · 4.125%
HK$21,148
baseline
▲ 0.50% · 4.625%
HK$22,262
+HK$1,114/mo
Deposit HK$1.69M · loan HK$3.95M · min. income ≈ HK$42,296/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,188
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,909
−HK$733/mo
Today · 4.125%
HK$24,642
baseline
▲ 0.50% · 4.625%
HK$26,141
+HK$1,499/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$49,284/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,796
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,488
−HK$702/mo
Today · 4.125%
HK$27,190
baseline
▲ 0.50% · 4.625%
HK$28,623
+HK$1,433/mo
Deposit HK$565K · loan HK$5.08M · min. income ≈ HK$54,380/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,112 · 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).