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$12,471
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,859
−HK$394/mo
Today · 4.125%
HK$13,253
baseline
▲ 0.50% · 4.625%
HK$14,059
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,506/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,874
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,246
−HK$377/mo
Today · 4.125%
HK$14,623
baseline
▲ 0.50% · 4.625%
HK$15,394
+HK$771/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,246/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,965
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,431
−HK$473/mo
Today · 4.125%
HK$15,904
baseline
▲ 0.50% · 4.625%
HK$16,871
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,808/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,649
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,095
−HK$453/mo
Today · 4.125%
HK$17,548
baseline
▲ 0.50% · 4.625%
HK$18,473
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,096/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,459
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,002
−HK$552/mo
Today · 4.125%
HK$18,554
baseline
▲ 0.50% · 4.625%
HK$19,683
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,108/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,423
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,944
−HK$529/mo
Today · 4.125%
HK$20,473
baseline
▲ 0.50% · 4.625%
HK$21,552
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,946/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,448
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,146
−HK$709/mo
Today · 4.125%
HK$23,855
baseline
▲ 0.50% · 4.625%
HK$25,307
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,710/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,973
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,643
−HK$679/mo
Today · 4.125%
HK$26,322
baseline
▲ 0.50% · 4.625%
HK$27,710
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,644/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,056 · 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).