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$12,462
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,849
−HK$394/mo
Today · 4.125%
HK$13,243
baseline
▲ 0.50% · 4.625%
HK$14,049
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,486/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,863
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,235
−HK$377/mo
Today · 4.125%
HK$14,612
baseline
▲ 0.50% · 4.625%
HK$15,383
+HK$771/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,224/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,954
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,419
−HK$473/mo
Today · 4.125%
HK$15,892
baseline
▲ 0.50% · 4.625%
HK$16,859
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,784/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,636
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,082
−HK$453/mo
Today · 4.125%
HK$17,535
baseline
▲ 0.50% · 4.625%
HK$18,459
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,070/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,446
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,989
−HK$551/mo
Today · 4.125%
HK$18,540
baseline
▲ 0.50% · 4.625%
HK$19,668
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,080/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,409
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,929
−HK$528/mo
Today · 4.125%
HK$20,457
baseline
▲ 0.50% · 4.625%
HK$21,536
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,914/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,431
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,128
−HK$709/mo
Today · 4.125%
HK$23,837
baseline
▲ 0.50% · 4.625%
HK$25,288
+HK$1,451/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,674/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,954
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,623
−HK$679/mo
Today · 4.125%
HK$26,302
baseline
▲ 0.50% · 4.625%
HK$27,689
+HK$1,387/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,604/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,962 · 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).