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$12,827
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,226
−HK$406/mo
Today · 4.125%
HK$13,632
baseline
▲ 0.50% · 4.625%
HK$14,461
+HK$829/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,264/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,270
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,653
−HK$388/mo
Today · 4.125%
HK$15,041
baseline
▲ 0.50% · 4.625%
HK$15,834
+HK$793/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,082/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,393
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,872
−HK$486/mo
Today · 4.125%
HK$16,358
baseline
▲ 0.50% · 4.625%
HK$17,353
+HK$995/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,716/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,124
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,584
−HK$466/mo
Today · 4.125%
HK$18,050
baseline
▲ 0.50% · 4.625%
HK$19,001
+HK$951/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,100/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,958
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,517
−HK$567/mo
Today · 4.125%
HK$19,084
baseline
▲ 0.50% · 4.625%
HK$20,246
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,168/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,978
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,514
−HK$544/mo
Today · 4.125%
HK$21,058
baseline
▲ 0.50% · 4.625%
HK$22,168
+HK$1,110/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,116/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,089
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,808
−HK$729/mo
Today · 4.125%
HK$24,537
baseline
▲ 0.50% · 4.625%
HK$26,030
+HK$1,493/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$49,074/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,687
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,376
−HK$698/mo
Today · 4.125%
HK$27,074
baseline
▲ 0.50% · 4.625%
HK$28,502
+HK$1,428/mo
Deposit HK$563K · loan HK$5.06M · min. income ≈ HK$54,148/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$126,572 · 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).