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$12,591
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,982
−HK$398/mo
Today · 4.125%
HK$13,380
baseline
▲ 0.50% · 4.625%
HK$14,194
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,760/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,007
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,383
−HK$381/mo
Today · 4.125%
HK$14,764
baseline
▲ 0.50% · 4.625%
HK$15,542
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,528/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,109
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,579
−HK$477/mo
Today · 4.125%
HK$16,056
baseline
▲ 0.50% · 4.625%
HK$17,033
+HK$977/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,112/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,808
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,259
−HK$457/mo
Today · 4.125%
HK$17,716
baseline
▲ 0.50% · 4.625%
HK$18,650
+HK$934/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,432/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,627
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,175
−HK$557/mo
Today · 4.125%
HK$18,732
baseline
▲ 0.50% · 4.625%
HK$19,872
+HK$1,140/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,464/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,610
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,136
−HK$533/mo
Today · 4.125%
HK$20,669
baseline
▲ 0.50% · 4.625%
HK$21,759
+HK$1,090/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,338/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,663
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,368
−HK$716/mo
Today · 4.125%
HK$24,084
baseline
▲ 0.50% · 4.625%
HK$25,550
+HK$1,466/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,168/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,212
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,889
−HK$685/mo
Today · 4.125%
HK$26,574
baseline
▲ 0.50% · 4.625%
HK$27,975
+HK$1,401/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,148/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,235 · 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).