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$12,376
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,761
−HK$391/mo
Today · 4.125%
HK$13,152
baseline
▲ 0.50% · 4.625%
HK$13,952
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,304/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,768
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,138
−HK$374/mo
Today · 4.125%
HK$14,512
baseline
▲ 0.50% · 4.625%
HK$15,277
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,024/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,851
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,313
−HK$470/mo
Today · 4.125%
HK$15,783
baseline
▲ 0.50% · 4.625%
HK$16,743
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,566/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,522
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,965
−HK$450/mo
Today · 4.125%
HK$17,415
baseline
▲ 0.50% · 4.625%
HK$18,333
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,830/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,327
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,866
−HK$547/mo
Today · 4.125%
HK$18,413
baseline
▲ 0.50% · 4.625%
HK$19,533
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,826/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,276
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,793
−HK$524/mo
Today · 4.125%
HK$20,317
baseline
▲ 0.50% · 4.625%
HK$21,388
+HK$1,071/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,634/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,277
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,970
−HK$704/mo
Today · 4.125%
HK$23,674
baseline
▲ 0.50% · 4.625%
HK$25,114
+HK$1,440/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$47,348/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,783
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,448
−HK$674/mo
Today · 4.125%
HK$26,122
baseline
▲ 0.50% · 4.625%
HK$27,499
+HK$1,377/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$52,244/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,119 · 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).