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$12,656
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,049
−HK$400/mo
Today · 4.125%
HK$13,449
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$818/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,898/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,079
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,457
−HK$383/mo
Today · 4.125%
HK$14,840
baseline
▲ 0.50% · 4.625%
HK$15,622
+HK$782/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,680/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,187
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,659
−HK$480/mo
Today · 4.125%
HK$16,139
baseline
▲ 0.50% · 4.625%
HK$17,121
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,278/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,895
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,348
−HK$460/mo
Today · 4.125%
HK$17,808
baseline
▲ 0.50% · 4.625%
HK$18,746
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,616/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,718
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,269
−HK$560/mo
Today · 4.125%
HK$18,829
baseline
▲ 0.50% · 4.625%
HK$19,974
+HK$1,145/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,658/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,711
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,239
−HK$537/mo
Today · 4.125%
HK$20,776
baseline
▲ 0.50% · 4.625%
HK$21,871
+HK$1,095/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,552/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,780
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,488
−HK$720/mo
Today · 4.125%
HK$24,208
baseline
▲ 0.50% · 4.625%
HK$25,681
+HK$1,473/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,416/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,342
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,022
−HK$690/mo
Today · 4.125%
HK$26,712
baseline
▲ 0.50% · 4.625%
HK$28,120
+HK$1,408/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,424/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,876 · 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).