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$12,612
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$398/mo
Today · 4.125%
HK$13,403
baseline
▲ 0.50% · 4.625%
HK$14,219
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,806/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,031
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,407
−HK$382/mo
Today · 4.125%
HK$14,789
baseline
▲ 0.50% · 4.625%
HK$15,569
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,578/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,135
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,606
−HK$478/mo
Today · 4.125%
HK$16,084
baseline
▲ 0.50% · 4.625%
HK$17,063
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,168/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,837
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,289
−HK$458/mo
Today · 4.125%
HK$17,747
baseline
▲ 0.50% · 4.625%
HK$18,682
+HK$935/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,494/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,657
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,206
−HK$558/mo
Today · 4.125%
HK$18,764
baseline
▲ 0.50% · 4.625%
HK$19,906
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,528/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,643
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,170
−HK$535/mo
Today · 4.125%
HK$20,705
baseline
▲ 0.50% · 4.625%
HK$21,796
+HK$1,091/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,410/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,702
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,408
−HK$718/mo
Today · 4.125%
HK$24,126
baseline
▲ 0.50% · 4.625%
HK$25,594
+HK$1,468/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,252/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,256
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,933
−HK$687/mo
Today · 4.125%
HK$26,620
baseline
▲ 0.50% · 4.625%
HK$28,024
+HK$1,404/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,240/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,450 · 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).