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$12,786
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,184
−HK$404/mo
Today · 4.125%
HK$13,588
baseline
▲ 0.50% · 4.625%
HK$14,414
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,176/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,224
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,606
−HK$387/mo
Today · 4.125%
HK$14,993
baseline
▲ 0.50% · 4.625%
HK$15,783
+HK$790/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,986/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,343
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,820
−HK$485/mo
Today · 4.125%
HK$16,305
baseline
▲ 0.50% · 4.625%
HK$17,297
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,610/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,069
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,527
−HK$464/mo
Today · 4.125%
HK$17,991
baseline
▲ 0.50% · 4.625%
HK$18,939
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,982/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,900
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,457
−HK$566/mo
Today · 4.125%
HK$19,023
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,157/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,046/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,914
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,448
−HK$542/mo
Today · 4.125%
HK$20,990
baseline
▲ 0.50% · 4.625%
HK$22,096
+HK$1,106/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$41,980/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,015
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,730
−HK$728/mo
Today · 4.125%
HK$24,458
baseline
▲ 0.50% · 4.625%
HK$25,946
+HK$1,488/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,916/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,603
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,290
−HK$697/mo
Today · 4.125%
HK$26,987
baseline
▲ 0.50% · 4.625%
HK$28,409
+HK$1,422/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$53,974/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$126,162 · 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).