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$12,480
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,868
−HK$394/mo
Today · 4.125%
HK$13,262
baseline
▲ 0.50% · 4.625%
HK$14,069
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,524/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,884
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,256
−HK$378/mo
Today · 4.125%
HK$14,634
baseline
▲ 0.50% · 4.625%
HK$15,405
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,268/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,976
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,441
−HK$474/mo
Today · 4.125%
HK$15,915
baseline
▲ 0.50% · 4.625%
HK$16,883
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,830/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,660
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,107
−HK$453/mo
Today · 4.125%
HK$17,560
baseline
▲ 0.50% · 4.625%
HK$18,486
+HK$926/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,120/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,472
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,015
−HK$552/mo
Today · 4.125%
HK$18,567
baseline
▲ 0.50% · 4.625%
HK$19,697
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,134/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,437
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,958
−HK$529/mo
Today · 4.125%
HK$20,487
baseline
▲ 0.50% · 4.625%
HK$21,567
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,974/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,463
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,162
−HK$710/mo
Today · 4.125%
HK$23,872
baseline
▲ 0.50% · 4.625%
HK$25,325
+HK$1,453/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$47,744/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,990
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,661
−HK$680/mo
Today · 4.125%
HK$26,341
baseline
▲ 0.50% · 4.625%
HK$27,729
+HK$1,388/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$52,682/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,141 · 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).