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$12,097
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,474
−HK$382/mo
Today · 4.125%
HK$12,856
baseline
▲ 0.50% · 4.625%
HK$13,638
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,712/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,458
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,819
−HK$366/mo
Today · 4.125%
HK$14,185
baseline
▲ 0.50% · 4.625%
HK$14,933
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,370/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,517
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,968
−HK$459/mo
Today · 4.125%
HK$15,427
baseline
▲ 0.50% · 4.625%
HK$16,366
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,854/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,150
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,583
−HK$439/mo
Today · 4.125%
HK$17,022
baseline
▲ 0.50% · 4.625%
HK$17,920
+HK$898/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,044/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,936
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,463
−HK$535/mo
Today · 4.125%
HK$17,998
baseline
▲ 0.50% · 4.625%
HK$19,094
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,996/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,842
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,347
−HK$512/mo
Today · 4.125%
HK$19,859
baseline
▲ 0.50% · 4.625%
HK$20,906
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,718/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,775
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,453
−HK$688/mo
Today · 4.125%
HK$23,141
baseline
▲ 0.50% · 4.625%
HK$24,549
+HK$1,408/mo
Deposit HK$531K · loan HK$4.77M · min. income ≈ HK$46,282/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,225
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,875
−HK$659/mo
Today · 4.125%
HK$25,534
baseline
▲ 0.50% · 4.625%
HK$26,880
+HK$1,346/mo
Deposit HK$531K · loan HK$4.77M · min. income ≈ HK$51,068/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,369 · 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).