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$12,047
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,422
−HK$380/mo
Today · 4.125%
HK$12,802
baseline
▲ 0.50% · 4.625%
HK$13,581
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,604/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,402
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,762
−HK$364/mo
Today · 4.125%
HK$14,126
baseline
▲ 0.50% · 4.625%
HK$14,871
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,252/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,456
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,906
−HK$457/mo
Today · 4.125%
HK$15,363
baseline
▲ 0.50% · 4.625%
HK$16,298
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,726/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,082
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,514
−HK$437/mo
Today · 4.125%
HK$16,951
baseline
▲ 0.50% · 4.625%
HK$17,845
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,902/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,866
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,390
−HK$533/mo
Today · 4.125%
HK$17,923
baseline
▲ 0.50% · 4.625%
HK$19,014
+HK$1,091/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,846/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,763
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,266
−HK$511/mo
Today · 4.125%
HK$19,777
baseline
▲ 0.50% · 4.625%
HK$20,819
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,554/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,684
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$685/mo
Today · 4.125%
HK$23,044
baseline
▲ 0.50% · 4.625%
HK$24,446
+HK$1,402/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,088/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,124
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,771
−HK$656/mo
Today · 4.125%
HK$25,427
baseline
▲ 0.50% · 4.625%
HK$26,767
+HK$1,340/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,854/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,871 · 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).