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$12,980
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,384
−HK$410/mo
Today · 4.125%
HK$13,794
baseline
▲ 0.50% · 4.625%
HK$14,633
+HK$839/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$27,588/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,440
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,827
−HK$393/mo
Today · 4.125%
HK$15,220
baseline
▲ 0.50% · 4.625%
HK$16,023
+HK$803/mo
Deposit HK$2.85M · loan HK$2.85M · min. income ≈ HK$30,440/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,576
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,060
−HK$493/mo
Today · 4.125%
HK$16,553
baseline
▲ 0.50% · 4.625%
HK$17,560
+HK$1,007/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$33,106/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,328
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,793
−HK$471/mo
Today · 4.125%
HK$18,264
baseline
▲ 0.50% · 4.625%
HK$19,227
+HK$963/mo
Deposit HK$2.28M · loan HK$3.42M · min. income ≈ HK$36,528/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,172
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,737
−HK$575/mo
Today · 4.125%
HK$19,312
baseline
▲ 0.50% · 4.625%
HK$20,487
+HK$1,175/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,624/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,216
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,758
−HK$550/mo
Today · 4.125%
HK$21,308
baseline
▲ 0.50% · 4.625%
HK$22,432
+HK$1,124/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,616/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,364
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,091
−HK$738/mo
Today · 4.125%
HK$24,829
baseline
▲ 0.50% · 4.625%
HK$26,340
+HK$1,511/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$49,658/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,992
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,689
−HK$707/mo
Today · 4.125%
HK$27,396
baseline
▲ 0.50% · 4.625%
HK$28,841
+HK$1,445/mo
Deposit HK$569K · loan HK$5.12M · min. income ≈ HK$54,792/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$128,078 · 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).