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$12,966
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,370
−HK$409/mo
Today · 4.125%
HK$13,779
baseline
▲ 0.50% · 4.625%
HK$14,618
+HK$839/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,558/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,425
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,812
−HK$392/mo
Today · 4.125%
HK$15,204
baseline
▲ 0.50% · 4.625%
HK$16,006
+HK$802/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,408/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,560
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,044
−HK$491/mo
Today · 4.125%
HK$16,535
baseline
▲ 0.50% · 4.625%
HK$17,542
+HK$1,007/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,070/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,310
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,774
−HK$471/mo
Today · 4.125%
HK$18,245
baseline
▲ 0.50% · 4.625%
HK$19,207
+HK$962/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,490/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,153
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,718
−HK$573/mo
Today · 4.125%
HK$19,291
baseline
▲ 0.50% · 4.625%
HK$20,465
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,582/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,195
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,737
−HK$549/mo
Today · 4.125%
HK$21,286
baseline
▲ 0.50% · 4.625%
HK$22,408
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,572/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,339
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,065
−HK$738/mo
Today · 4.125%
HK$24,803
baseline
▲ 0.50% · 4.625%
HK$26,312
+HK$1,509/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,606/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,965
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,661
−HK$707/mo
Today · 4.125%
HK$27,368
baseline
▲ 0.50% · 4.625%
HK$28,810
+HK$1,442/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,736/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$127,944 · 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).