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$12,112
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,489
−HK$382/mo
Today · 4.125%
HK$12,871
baseline
▲ 0.50% · 4.625%
HK$13,655
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,742/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,474
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,836
−HK$366/mo
Today · 4.125%
HK$14,202
baseline
▲ 0.50% · 4.625%
HK$14,951
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,404/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,534
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,986
−HK$460/mo
Today · 4.125%
HK$15,446
baseline
▲ 0.50% · 4.625%
HK$16,386
+HK$940/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$30,892/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,169
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,603
−HK$440/mo
Today · 4.125%
HK$17,043
baseline
▲ 0.50% · 4.625%
HK$17,941
+HK$898/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$34,086/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,957
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,484
−HK$536/mo
Today · 4.125%
HK$18,020
baseline
▲ 0.50% · 4.625%
HK$19,116
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,040/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,864
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,370
−HK$513/mo
Today · 4.125%
HK$19,883
baseline
▲ 0.50% · 4.625%
HK$20,931
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,766/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,801
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,480
−HK$689/mo
Today · 4.125%
HK$23,169
baseline
▲ 0.50% · 4.625%
HK$24,578
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,338/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,254
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,904
−HK$660/mo
Today · 4.125%
HK$25,564
baseline
▲ 0.50% · 4.625%
HK$26,912
+HK$1,348/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,128/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,512 · 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).