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$12,100
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,477
−HK$382/mo
Today · 4.125%
HK$12,859
baseline
▲ 0.50% · 4.625%
HK$13,641
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,718/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,461
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,822
−HK$367/mo
Today · 4.125%
HK$14,189
baseline
▲ 0.50% · 4.625%
HK$14,936
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,378/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,520
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,972
−HK$459/mo
Today · 4.125%
HK$15,431
baseline
▲ 0.50% · 4.625%
HK$16,370
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,862/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,154
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,587
−HK$439/mo
Today · 4.125%
HK$17,026
baseline
▲ 0.50% · 4.625%
HK$17,924
+HK$898/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,052/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,940
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,467
−HK$536/mo
Today · 4.125%
HK$18,003
baseline
▲ 0.50% · 4.625%
HK$19,098
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$36,006/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,846
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,351
−HK$513/mo
Today · 4.125%
HK$19,864
baseline
▲ 0.50% · 4.625%
HK$20,911
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,728/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,780
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,458
−HK$688/mo
Today · 4.125%
HK$23,146
baseline
▲ 0.50% · 4.625%
HK$24,554
+HK$1,408/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,292/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,230
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,880
−HK$659/mo
Today · 4.125%
HK$25,539
baseline
▲ 0.50% · 4.625%
HK$26,886
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,078/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,396 · 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).