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$12,846
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,245
−HK$406/mo
Today · 4.125%
HK$13,651
baseline
▲ 0.50% · 4.625%
HK$14,482
+HK$831/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$27,302/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,291
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$389/mo
Today · 4.125%
HK$15,063
baseline
▲ 0.50% · 4.625%
HK$15,857
+HK$794/mo
Deposit HK$2.82M · loan HK$2.82M · min. income ≈ HK$30,126/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,415
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,894
−HK$487/mo
Today · 4.125%
HK$16,381
baseline
▲ 0.50% · 4.625%
HK$17,378
+HK$997/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$32,762/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,149
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,609
−HK$466/mo
Today · 4.125%
HK$18,075
baseline
▲ 0.50% · 4.625%
HK$19,028
+HK$953/mo
Deposit HK$2.25M · loan HK$3.38M · min. income ≈ HK$36,150/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$126,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,984
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$569/mo
Today · 4.125%
HK$19,112
baseline
▲ 0.50% · 4.625%
HK$20,274
+HK$1,162/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$38,224/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,007
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,543
−HK$545/mo
Today · 4.125%
HK$21,088
baseline
▲ 0.50% · 4.625%
HK$22,199
+HK$1,111/mo
Deposit HK$1.69M · loan HK$3.94M · min. income ≈ HK$42,176/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$126,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,122
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,841
−HK$731/mo
Today · 4.125%
HK$24,572
baseline
▲ 0.50% · 4.625%
HK$26,067
+HK$1,495/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$49,144/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,723
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,413
−HK$700/mo
Today · 4.125%
HK$27,113
baseline
▲ 0.50% · 4.625%
HK$28,542
+HK$1,429/mo
Deposit HK$563K · loan HK$5.07M · min. income ≈ HK$54,226/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$126,752 · 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).