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$12,132
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,509
−HK$384/mo
Today · 4.125%
HK$12,893
baseline
▲ 0.50% · 4.625%
HK$13,677
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,786/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,497
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,859
−HK$367/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$14,976
+HK$750/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,452/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,558
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,011
−HK$460/mo
Today · 4.125%
HK$15,471
baseline
▲ 0.50% · 4.625%
HK$16,413
+HK$942/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,942/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,196
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,630
−HK$441/mo
Today · 4.125%
HK$17,071
baseline
▲ 0.50% · 4.625%
HK$17,971
+HK$900/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,142/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,985
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,513
−HK$537/mo
Today · 4.125%
HK$18,050
baseline
▲ 0.50% · 4.625%
HK$19,148
+HK$1,098/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,100/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,895
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,402
−HK$514/mo
Today · 4.125%
HK$19,916
baseline
▲ 0.50% · 4.625%
HK$20,966
+HK$1,050/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,832/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,837
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,517
−HK$690/mo
Today · 4.125%
HK$23,207
baseline
▲ 0.50% · 4.625%
HK$24,619
+HK$1,412/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,414/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,294
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,945
−HK$661/mo
Today · 4.125%
HK$25,606
baseline
▲ 0.50% · 4.625%
HK$26,956
+HK$1,350/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,212/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,710 · 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).