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$12,626
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,019
−HK$399/mo
Today · 4.125%
HK$13,418
baseline
▲ 0.50% · 4.625%
HK$14,235
+HK$817/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,836/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,047
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,423
−HK$383/mo
Today · 4.125%
HK$14,806
baseline
▲ 0.50% · 4.625%
HK$15,586
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,612/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,152
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,623
−HK$479/mo
Today · 4.125%
HK$16,102
baseline
▲ 0.50% · 4.625%
HK$17,082
+HK$980/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,204/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,856
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,308
−HK$459/mo
Today · 4.125%
HK$17,767
baseline
▲ 0.50% · 4.625%
HK$18,703
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,534/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,677
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,227
−HK$558/mo
Today · 4.125%
HK$18,785
baseline
▲ 0.50% · 4.625%
HK$19,928
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,570/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,665
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,193
−HK$535/mo
Today · 4.125%
HK$20,728
baseline
▲ 0.50% · 4.625%
HK$21,820
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,456/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,727
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,434
−HK$719/mo
Today · 4.125%
HK$24,153
baseline
▲ 0.50% · 4.625%
HK$25,622
+HK$1,469/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$48,306/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,284
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,962
−HK$688/mo
Today · 4.125%
HK$26,650
baseline
▲ 0.50% · 4.625%
HK$28,055
+HK$1,405/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$53,300/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,589 · 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).