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$12,791
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,189
−HK$404/mo
Today · 4.125%
HK$13,593
baseline
▲ 0.50% · 4.625%
HK$14,420
+HK$827/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,186/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,230
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,611
−HK$387/mo
Today · 4.125%
HK$14,998
baseline
▲ 0.50% · 4.625%
HK$15,789
+HK$791/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,996/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,349
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,826
−HK$486/mo
Today · 4.125%
HK$16,312
baseline
▲ 0.50% · 4.625%
HK$17,304
+HK$992/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$32,624/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,076
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,534
−HK$464/mo
Today · 4.125%
HK$17,998
baseline
▲ 0.50% · 4.625%
HK$18,947
+HK$949/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$35,996/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,907
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,464
−HK$566/mo
Today · 4.125%
HK$19,030
baseline
▲ 0.50% · 4.625%
HK$20,188
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,060/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,922
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,456
−HK$542/mo
Today · 4.125%
HK$20,998
baseline
▲ 0.50% · 4.625%
HK$22,105
+HK$1,107/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$41,996/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,023
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,740
−HK$727/mo
Today · 4.125%
HK$24,467
baseline
▲ 0.50% · 4.625%
HK$25,956
+HK$1,489/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,934/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,613
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,300
−HK$697/mo
Today · 4.125%
HK$26,997
baseline
▲ 0.50% · 4.625%
HK$28,420
+HK$1,423/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$53,994/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,212 · 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).