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$12,357
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,741
−HK$391/mo
Today · 4.125%
HK$13,132
baseline
▲ 0.50% · 4.625%
HK$13,931
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,264/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,747
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,116
−HK$374/mo
Today · 4.125%
HK$14,490
baseline
▲ 0.50% · 4.625%
HK$15,254
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,980/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,829
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,290
−HK$468/mo
Today · 4.125%
HK$15,758
baseline
▲ 0.50% · 4.625%
HK$16,717
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,516/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,497
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,939
−HK$449/mo
Today · 4.125%
HK$17,388
baseline
▲ 0.50% · 4.625%
HK$18,304
+HK$916/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,776/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,300
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,838
−HK$547/mo
Today · 4.125%
HK$18,385
baseline
▲ 0.50% · 4.625%
HK$19,503
+HK$1,118/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,770/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,246
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,762
−HK$524/mo
Today · 4.125%
HK$20,286
baseline
▲ 0.50% · 4.625%
HK$21,355
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,572/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,243
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,935
−HK$703/mo
Today · 4.125%
HK$23,638
baseline
▲ 0.50% · 4.625%
HK$25,076
+HK$1,438/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,276/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,745
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,408
−HK$674/mo
Today · 4.125%
HK$26,082
baseline
▲ 0.50% · 4.625%
HK$27,457
+HK$1,375/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,164/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,932 · 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).