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$12,675
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,069
−HK$401/mo
Today · 4.125%
HK$13,470
baseline
▲ 0.50% · 4.625%
HK$14,289
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,940/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,101
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,479
−HK$384/mo
Today · 4.125%
HK$14,863
baseline
▲ 0.50% · 4.625%
HK$15,646
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,726/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,210
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,683
−HK$481/mo
Today · 4.125%
HK$16,164
baseline
▲ 0.50% · 4.625%
HK$17,147
+HK$983/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,328/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,921
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,375
−HK$460/mo
Today · 4.125%
HK$17,835
baseline
▲ 0.50% · 4.625%
HK$18,775
+HK$940/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,670/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,745
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,297
−HK$561/mo
Today · 4.125%
HK$18,858
baseline
▲ 0.50% · 4.625%
HK$20,005
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,716/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,741
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,271
−HK$537/mo
Today · 4.125%
HK$20,808
baseline
▲ 0.50% · 4.625%
HK$21,904
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,616/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,815
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,525
−HK$721/mo
Today · 4.125%
HK$24,246
baseline
▲ 0.50% · 4.625%
HK$25,721
+HK$1,475/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,492/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,381
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,062
−HK$691/mo
Today · 4.125%
HK$26,753
baseline
▲ 0.50% · 4.625%
HK$28,163
+HK$1,410/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,506/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,069 · 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).