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$12,844
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,244
−HK$406/mo
Today · 4.125%
HK$13,650
baseline
▲ 0.50% · 4.625%
HK$14,480
+HK$830/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,300/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,289
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$389/mo
Today · 4.125%
HK$15,061
baseline
▲ 0.50% · 4.625%
HK$15,855
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,122/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,413
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,893
−HK$487/mo
Today · 4.125%
HK$16,380
baseline
▲ 0.50% · 4.625%
HK$17,376
+HK$996/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,760/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,147
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,607
−HK$466/mo
Today · 4.125%
HK$18,073
baseline
▲ 0.50% · 4.625%
HK$19,026
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,146/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,982
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,541
−HK$569/mo
Today · 4.125%
HK$19,110
baseline
▲ 0.50% · 4.625%
HK$20,272
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,220/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,005
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,541
−HK$545/mo
Today · 4.125%
HK$21,086
baseline
▲ 0.50% · 4.625%
HK$22,197
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,172/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,120
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,839
−HK$731/mo
Today · 4.125%
HK$24,570
baseline
▲ 0.50% · 4.625%
HK$26,065
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,140/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,721
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,410
−HK$700/mo
Today · 4.125%
HK$27,110
baseline
▲ 0.50% · 4.625%
HK$28,539
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,220/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,740 · 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).