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$12,404
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,790
−HK$392/mo
Today · 4.125%
HK$13,182
baseline
▲ 0.50% · 4.625%
HK$13,984
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,364/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,799
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,169
−HK$376/mo
Today · 4.125%
HK$14,545
baseline
▲ 0.50% · 4.625%
HK$15,311
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,090/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,885
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,348
−HK$470/mo
Today · 4.125%
HK$15,818
baseline
▲ 0.50% · 4.625%
HK$16,780
+HK$962/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,636/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,559
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,003
−HK$451/mo
Today · 4.125%
HK$17,454
baseline
▲ 0.50% · 4.625%
HK$18,374
+HK$920/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,908/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,365
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,905
−HK$549/mo
Today · 4.125%
HK$18,454
baseline
▲ 0.50% · 4.625%
HK$19,577
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,908/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,319
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,837
−HK$525/mo
Today · 4.125%
HK$20,362
baseline
▲ 0.50% · 4.625%
HK$21,436
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,724/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,327
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,021
−HK$706/mo
Today · 4.125%
HK$23,727
baseline
▲ 0.50% · 4.625%
HK$25,171
+HK$1,444/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,454/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,838
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,504
−HK$676/mo
Today · 4.125%
HK$26,180
baseline
▲ 0.50% · 4.625%
HK$27,560
+HK$1,380/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,360/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,392 · 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).