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$12,798
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,196
−HK$404/mo
Today · 4.125%
HK$13,600
baseline
▲ 0.50% · 4.625%
HK$14,428
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,200/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,238
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,619
−HK$388/mo
Today · 4.125%
HK$15,007
baseline
▲ 0.50% · 4.625%
HK$15,798
+HK$791/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,014/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,358
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,835
−HK$486/mo
Today · 4.125%
HK$16,321
baseline
▲ 0.50% · 4.625%
HK$17,314
+HK$993/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$32,642/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,085
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,543
−HK$465/mo
Today · 4.125%
HK$18,008
baseline
▲ 0.50% · 4.625%
HK$18,957
+HK$949/mo
Deposit HK$2.24M · loan HK$3.37M · min. income ≈ HK$36,016/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,917
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,474
−HK$567/mo
Today · 4.125%
HK$19,041
baseline
▲ 0.50% · 4.625%
HK$20,199
+HK$1,158/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$38,082/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,933
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,467
−HK$542/mo
Today · 4.125%
HK$21,009
baseline
▲ 0.50% · 4.625%
HK$22,117
+HK$1,108/mo
Deposit HK$1.68M · loan HK$3.93M · min. income ≈ HK$42,018/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,036
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,753
−HK$728/mo
Today · 4.125%
HK$24,481
baseline
▲ 0.50% · 4.625%
HK$25,970
+HK$1,489/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$48,962/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,628
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,315
−HK$697/mo
Today · 4.125%
HK$27,012
baseline
▲ 0.50% · 4.625%
HK$28,436
+HK$1,424/mo
Deposit HK$561K · loan HK$5.05M · min. income ≈ HK$54,024/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,282 · 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).