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$12,467
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,855
−HK$394/mo
Today · 4.125%
HK$13,249
baseline
▲ 0.50% · 4.625%
HK$14,055
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,498/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,870
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,242
−HK$377/mo
Today · 4.125%
HK$14,619
baseline
▲ 0.50% · 4.625%
HK$15,390
+HK$771/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,238/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,961
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,426
−HK$473/mo
Today · 4.125%
HK$15,899
baseline
▲ 0.50% · 4.625%
HK$16,866
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,798/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,644
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,090
−HK$453/mo
Today · 4.125%
HK$17,543
baseline
▲ 0.50% · 4.625%
HK$18,467
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,086/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,454
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,997
−HK$552/mo
Today · 4.125%
HK$18,549
baseline
▲ 0.50% · 4.625%
HK$19,677
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,098/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,417
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,938
−HK$529/mo
Today · 4.125%
HK$20,467
baseline
▲ 0.50% · 4.625%
HK$21,545
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,934/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,441
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,139
−HK$709/mo
Today · 4.125%
HK$23,848
baseline
▲ 0.50% · 4.625%
HK$25,299
+HK$1,451/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,696/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,965
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,635
−HK$679/mo
Today · 4.125%
HK$26,314
baseline
▲ 0.50% · 4.625%
HK$27,701
+HK$1,387/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,628/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,018 · 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).