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$12,960
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,364
−HK$409/mo
Today · 4.125%
HK$13,773
baseline
▲ 0.50% · 4.625%
HK$14,611
+HK$838/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,546/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,418
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,805
−HK$392/mo
Today · 4.125%
HK$15,197
baseline
▲ 0.50% · 4.625%
HK$15,998
+HK$801/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,394/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,552
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,036
−HK$492/mo
Today · 4.125%
HK$16,528
baseline
▲ 0.50% · 4.625%
HK$17,533
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,056/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,302
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,766
−HK$471/mo
Today · 4.125%
HK$18,237
baseline
▲ 0.50% · 4.625%
HK$19,198
+HK$961/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,474/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,145
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,709
−HK$573/mo
Today · 4.125%
HK$19,282
baseline
▲ 0.50% · 4.625%
HK$20,456
+HK$1,174/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$38,564/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,186
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,727
−HK$549/mo
Today · 4.125%
HK$21,276
baseline
▲ 0.50% · 4.625%
HK$22,398
+HK$1,122/mo
Deposit HK$1.71M · loan HK$3.98M · min. income ≈ HK$42,552/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,329
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,054
−HK$738/mo
Today · 4.125%
HK$24,792
baseline
▲ 0.50% · 4.625%
HK$26,300
+HK$1,508/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$49,584/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,953
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,649
−HK$706/mo
Today · 4.125%
HK$27,355
baseline
▲ 0.50% · 4.625%
HK$28,797
+HK$1,442/mo
Deposit HK$568K · loan HK$5.12M · min. income ≈ HK$54,710/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$127,885 · 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).