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$12,561
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$397/mo
Today · 4.125%
HK$13,349
baseline
▲ 0.50% · 4.625%
HK$14,161
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,698/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,974
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,349
−HK$380/mo
Today · 4.125%
HK$14,729
baseline
▲ 0.50% · 4.625%
HK$15,505
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,458/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,073
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,542
−HK$476/mo
Today · 4.125%
HK$16,018
baseline
▲ 0.50% · 4.625%
HK$16,993
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,036/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,769
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,218
−HK$457/mo
Today · 4.125%
HK$17,675
baseline
▲ 0.50% · 4.625%
HK$18,606
+HK$931/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,350/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,585
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,132
−HK$556/mo
Today · 4.125%
HK$18,688
baseline
▲ 0.50% · 4.625%
HK$19,825
+HK$1,137/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,376/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,564
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,088
−HK$532/mo
Today · 4.125%
HK$20,620
baseline
▲ 0.50% · 4.625%
HK$21,707
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,240/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,610
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,313
−HK$715/mo
Today · 4.125%
HK$24,028
baseline
▲ 0.50% · 4.625%
HK$25,490
+HK$1,462/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,056/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,153
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,828
−HK$684/mo
Today · 4.125%
HK$26,512
baseline
▲ 0.50% · 4.625%
HK$27,910
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,024/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,943 · 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).