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$12,271
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,652
−HK$388/mo
Today · 4.125%
HK$13,040
baseline
▲ 0.50% · 4.625%
HK$13,834
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,080/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,651
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,017
−HK$372/mo
Today · 4.125%
HK$14,389
baseline
▲ 0.50% · 4.625%
HK$15,147
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,778/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,725
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,183
−HK$465/mo
Today · 4.125%
HK$15,648
baseline
▲ 0.50% · 4.625%
HK$16,600
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,296/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,381
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,821
−HK$445/mo
Today · 4.125%
HK$17,266
baseline
▲ 0.50% · 4.625%
HK$18,176
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,532/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,179
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,713
−HK$543/mo
Today · 4.125%
HK$18,256
baseline
▲ 0.50% · 4.625%
HK$19,367
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,512/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,112
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,624
−HK$520/mo
Today · 4.125%
HK$20,144
baseline
▲ 0.50% · 4.625%
HK$21,206
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,288/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,087
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,774
−HK$698/mo
Today · 4.125%
HK$23,472
baseline
▲ 0.50% · 4.625%
HK$24,901
+HK$1,429/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,944/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,572
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,231
−HK$669/mo
Today · 4.125%
HK$25,900
baseline
▲ 0.50% · 4.625%
HK$27,265
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,800/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,080 · 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).