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$12,954
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,357
−HK$409/mo
Today · 4.125%
HK$13,766
baseline
▲ 0.50% · 4.625%
HK$14,604
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,532/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,411
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,798
−HK$392/mo
Today · 4.125%
HK$15,190
baseline
▲ 0.50% · 4.625%
HK$15,990
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,380/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,545
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,028
−HK$492/mo
Today · 4.125%
HK$16,520
baseline
▲ 0.50% · 4.625%
HK$17,525
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,040/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,293
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,757
−HK$471/mo
Today · 4.125%
HK$18,228
baseline
▲ 0.50% · 4.625%
HK$19,189
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,456/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,136
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,700
−HK$573/mo
Today · 4.125%
HK$19,273
baseline
▲ 0.50% · 4.625%
HK$20,446
+HK$1,173/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$38,546/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,176
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,717
−HK$549/mo
Today · 4.125%
HK$21,266
baseline
▲ 0.50% · 4.625%
HK$22,387
+HK$1,121/mo
Deposit HK$1.70M · loan HK$3.98M · min. income ≈ HK$42,532/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,317
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$737/mo
Today · 4.125%
HK$24,779
baseline
▲ 0.50% · 4.625%
HK$26,287
+HK$1,508/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,558/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,940
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,636
−HK$706/mo
Today · 4.125%
HK$27,342
baseline
▲ 0.50% · 4.625%
HK$28,783
+HK$1,441/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,684/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,821 · 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).