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$12,332
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,716
−HK$390/mo
Today · 4.125%
HK$13,106
baseline
▲ 0.50% · 4.625%
HK$13,903
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,212/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,720
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,088
−HK$373/mo
Today · 4.125%
HK$14,461
baseline
▲ 0.50% · 4.625%
HK$15,223
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,922/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,799
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,259
−HK$468/mo
Today · 4.125%
HK$15,727
baseline
▲ 0.50% · 4.625%
HK$16,684
+HK$957/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,454/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,464
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,905
−HK$448/mo
Today · 4.125%
HK$17,353
baseline
▲ 0.50% · 4.625%
HK$18,268
+HK$915/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,706/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,265
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,802
−HK$546/mo
Today · 4.125%
HK$18,348
baseline
▲ 0.50% · 4.625%
HK$19,464
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,696/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,208
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,723
−HK$522/mo
Today · 4.125%
HK$20,245
baseline
▲ 0.50% · 4.625%
HK$21,312
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,490/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,198
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,889
−HK$701/mo
Today · 4.125%
HK$23,590
baseline
▲ 0.50% · 4.625%
HK$25,026
+HK$1,436/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,180/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,695
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,358
−HK$672/mo
Today · 4.125%
HK$26,030
baseline
▲ 0.50% · 4.625%
HK$27,402
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,060/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,688 · 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).