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$12,414
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,800
−HK$393/mo
Today · 4.125%
HK$13,193
baseline
▲ 0.50% · 4.625%
HK$13,995
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,386/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,811
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,181
−HK$376/mo
Today · 4.125%
HK$14,557
baseline
▲ 0.50% · 4.625%
HK$15,324
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,114/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,897
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,360
−HK$471/mo
Today · 4.125%
HK$15,831
baseline
▲ 0.50% · 4.625%
HK$16,794
+HK$963/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,662/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,573
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,017
−HK$451/mo
Today · 4.125%
HK$17,468
baseline
▲ 0.50% · 4.625%
HK$18,389
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,936/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,380
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,920
−HK$550/mo
Today · 4.125%
HK$18,470
baseline
▲ 0.50% · 4.625%
HK$19,593
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,940/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,335
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,853
−HK$526/mo
Today · 4.125%
HK$20,379
baseline
▲ 0.50% · 4.625%
HK$21,454
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,758/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,345
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,040
−HK$707/mo
Today · 4.125%
HK$23,747
baseline
▲ 0.50% · 4.625%
HK$25,192
+HK$1,445/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,494/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,859
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,526
−HK$676/mo
Today · 4.125%
HK$26,202
baseline
▲ 0.50% · 4.625%
HK$27,583
+HK$1,381/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,404/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,494 · 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).