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$12,580
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,972
−HK$397/mo
Today · 4.125%
HK$13,369
baseline
▲ 0.50% · 4.625%
HK$14,183
+HK$814/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,738/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,995
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,371
−HK$381/mo
Today · 4.125%
HK$14,752
baseline
▲ 0.50% · 4.625%
HK$15,529
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,504/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,096
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,566
−HK$477/mo
Today · 4.125%
HK$16,043
baseline
▲ 0.50% · 4.625%
HK$17,019
+HK$976/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,086/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,794
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,245
−HK$457/mo
Today · 4.125%
HK$17,702
baseline
▲ 0.50% · 4.625%
HK$18,635
+HK$933/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,404/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,612
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,160
−HK$557/mo
Today · 4.125%
HK$18,717
baseline
▲ 0.50% · 4.625%
HK$19,856
+HK$1,139/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$37,434/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,594
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,119
−HK$533/mo
Today · 4.125%
HK$20,652
baseline
▲ 0.50% · 4.625%
HK$21,741
+HK$1,089/mo
Deposit HK$1.66M · loan HK$3.86M · min. income ≈ HK$41,304/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,644
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,349
−HK$715/mo
Today · 4.125%
HK$24,064
baseline
▲ 0.50% · 4.625%
HK$25,529
+HK$1,465/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$48,128/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,192
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,867
−HK$686/mo
Today · 4.125%
HK$26,553
baseline
▲ 0.50% · 4.625%
HK$27,952
+HK$1,399/mo
Deposit HK$552K · loan HK$4.97M · min. income ≈ HK$53,106/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$124,134 · 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).