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$12,305
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,688
−HK$389/mo
Today · 4.125%
HK$13,077
baseline
▲ 0.50% · 4.625%
HK$13,873
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,154/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,690
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,057
−HK$372/mo
Today · 4.125%
HK$14,429
baseline
▲ 0.50% · 4.625%
HK$15,190
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,858/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,766
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,226
−HK$466/mo
Today · 4.125%
HK$15,692
baseline
▲ 0.50% · 4.625%
HK$16,647
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,384/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,428
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,868
−HK$447/mo
Today · 4.125%
HK$17,315
baseline
▲ 0.50% · 4.625%
HK$18,228
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,630/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,228
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,763
−HK$545/mo
Today · 4.125%
HK$18,308
baseline
▲ 0.50% · 4.625%
HK$19,422
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,616/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,165
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,679
−HK$522/mo
Today · 4.125%
HK$20,201
baseline
▲ 0.50% · 4.625%
HK$21,266
+HK$1,065/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,402/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,150
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,839
−HK$700/mo
Today · 4.125%
HK$23,539
baseline
▲ 0.50% · 4.625%
HK$24,971
+HK$1,432/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,078/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,641
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,302
−HK$671/mo
Today · 4.125%
HK$25,973
baseline
▲ 0.50% · 4.625%
HK$27,342
+HK$1,369/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,946/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,421 · 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).