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$12,337
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,721
−HK$390/mo
Today · 4.125%
HK$13,111
baseline
▲ 0.50% · 4.625%
HK$13,909
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,222/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,725
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,093
−HK$373/mo
Today · 4.125%
HK$14,466
baseline
▲ 0.50% · 4.625%
HK$15,229
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,932/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,805
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,265
−HK$468/mo
Today · 4.125%
HK$15,733
baseline
▲ 0.50% · 4.625%
HK$16,690
+HK$957/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,466/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,470
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,912
−HK$448/mo
Today · 4.125%
HK$17,360
baseline
▲ 0.50% · 4.625%
HK$18,275
+HK$915/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,720/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,272
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,809
−HK$546/mo
Today · 4.125%
HK$18,355
baseline
▲ 0.50% · 4.625%
HK$19,472
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,710/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,215
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,730
−HK$523/mo
Today · 4.125%
HK$20,253
baseline
▲ 0.50% · 4.625%
HK$21,321
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,506/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,207
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,898
−HK$701/mo
Today · 4.125%
HK$23,599
baseline
▲ 0.50% · 4.625%
HK$25,035
+HK$1,436/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,198/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,705
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,367
−HK$673/mo
Today · 4.125%
HK$26,040
baseline
▲ 0.50% · 4.625%
HK$27,412
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,080/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,735 · 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).