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$12,887
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,288
−HK$407/mo
Today · 4.125%
HK$13,695
baseline
▲ 0.50% · 4.625%
HK$14,528
+HK$833/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,390/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,336
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,721
−HK$390/mo
Today · 4.125%
HK$15,111
baseline
▲ 0.50% · 4.625%
HK$15,907
+HK$796/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,222/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$127,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,464
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,945
−HK$489/mo
Today · 4.125%
HK$16,434
baseline
▲ 0.50% · 4.625%
HK$17,434
+HK$1,000/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,868/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,204
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,665
−HK$468/mo
Today · 4.125%
HK$18,133
baseline
▲ 0.50% · 4.625%
HK$19,089
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,266/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,041
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,603
−HK$570/mo
Today · 4.125%
HK$19,173
baseline
▲ 0.50% · 4.625%
HK$20,339
+HK$1,166/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,346/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,071
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,609
−HK$546/mo
Today · 4.125%
HK$21,155
baseline
▲ 0.50% · 4.625%
HK$22,270
+HK$1,115/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,310/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,196
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,918
−HK$733/mo
Today · 4.125%
HK$24,651
baseline
▲ 0.50% · 4.625%
HK$26,151
+HK$1,500/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$49,302/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,805
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,497
−HK$703/mo
Today · 4.125%
HK$27,200
baseline
▲ 0.50% · 4.625%
HK$28,633
+HK$1,433/mo
Deposit HK$565K · loan HK$5.09M · min. income ≈ HK$54,400/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$127,157 · 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).