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$12,517
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,906
−HK$396/mo
Today · 4.125%
HK$13,302
baseline
▲ 0.50% · 4.625%
HK$14,111
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,604/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,925
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,299
−HK$379/mo
Today · 4.125%
HK$14,678
baseline
▲ 0.50% · 4.625%
HK$15,451
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,356/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,021
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,488
−HK$474/mo
Today · 4.125%
HK$15,962
baseline
▲ 0.50% · 4.625%
HK$16,934
+HK$972/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,924/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,710
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,158
−HK$455/mo
Today · 4.125%
HK$17,613
baseline
▲ 0.50% · 4.625%
HK$18,541
+HK$928/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,226/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,524
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,069
−HK$554/mo
Today · 4.125%
HK$18,623
baseline
▲ 0.50% · 4.625%
HK$19,756
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,246/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,495
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,018
−HK$531/mo
Today · 4.125%
HK$20,549
baseline
▲ 0.50% · 4.625%
HK$21,632
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,098/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,531
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,232
−HK$712/mo
Today · 4.125%
HK$23,944
baseline
▲ 0.50% · 4.625%
HK$25,401
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,888/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,065
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,738
−HK$682/mo
Today · 4.125%
HK$26,420
baseline
▲ 0.50% · 4.625%
HK$27,812
+HK$1,392/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,840/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,511 · 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).