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$12,576
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,967
−HK$397/mo
Today · 4.125%
HK$13,364
baseline
▲ 0.50% · 4.625%
HK$14,178
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,728/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,990
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,366
−HK$380/mo
Today · 4.125%
HK$14,746
baseline
▲ 0.50% · 4.625%
HK$15,524
+HK$778/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,492/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,091
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,560
−HK$477/mo
Today · 4.125%
HK$16,037
baseline
▲ 0.50% · 4.625%
HK$17,013
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,074/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,789
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,239
−HK$457/mo
Today · 4.125%
HK$17,696
baseline
▲ 0.50% · 4.625%
HK$18,628
+HK$932/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,392/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,606
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,154
−HK$556/mo
Today · 4.125%
HK$18,710
baseline
▲ 0.50% · 4.625%
HK$19,849
+HK$1,139/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,420/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,587
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,112
−HK$533/mo
Today · 4.125%
HK$20,645
baseline
▲ 0.50% · 4.625%
HK$21,733
+HK$1,088/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,290/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,636
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,341
−HK$715/mo
Today · 4.125%
HK$24,056
baseline
▲ 0.50% · 4.625%
HK$25,520
+HK$1,464/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$48,112/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,183
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,858
−HK$685/mo
Today · 4.125%
HK$26,543
baseline
▲ 0.50% · 4.625%
HK$27,942
+HK$1,399/mo
Deposit HK$552K · loan HK$4.96M · min. income ≈ HK$53,086/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,090 · 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).