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$12,288
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,670
−HK$389/mo
Today · 4.125%
HK$13,059
baseline
▲ 0.50% · 4.625%
HK$13,853
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,118/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,671
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,037
−HK$372/mo
Today · 4.125%
HK$14,409
baseline
▲ 0.50% · 4.625%
HK$15,169
+HK$760/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,818/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,746
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,205
−HK$466/mo
Today · 4.125%
HK$15,671
baseline
▲ 0.50% · 4.625%
HK$16,624
+HK$953/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,342/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,405
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,845
−HK$446/mo
Today · 4.125%
HK$17,291
baseline
▲ 0.50% · 4.625%
HK$18,202
+HK$911/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,582/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,204
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,739
−HK$543/mo
Today · 4.125%
HK$18,282
baseline
▲ 0.50% · 4.625%
HK$19,395
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,564/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,139
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,652
−HK$521/mo
Today · 4.125%
HK$20,173
baseline
▲ 0.50% · 4.625%
HK$21,236
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,346/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,119
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,807
−HK$699/mo
Today · 4.125%
HK$23,506
baseline
▲ 0.50% · 4.625%
HK$24,936
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,012/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,607
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,267
−HK$669/mo
Today · 4.125%
HK$25,936
baseline
▲ 0.50% · 4.625%
HK$27,304
+HK$1,368/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,872/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,252 · 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).