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$12,941
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,343
−HK$409/mo
Today · 4.125%
HK$13,752
baseline
▲ 0.50% · 4.625%
HK$14,589
+HK$837/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$27,504/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,396
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,782
−HK$392/mo
Today · 4.125%
HK$15,174
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$800/mo
Deposit HK$2.84M · loan HK$2.84M · min. income ≈ HK$30,348/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$127,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,529
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,012
−HK$490/mo
Today · 4.125%
HK$16,502
baseline
▲ 0.50% · 4.625%
HK$17,507
+HK$1,005/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$33,004/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,275
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,739
−HK$470/mo
Today · 4.125%
HK$18,209
baseline
▲ 0.50% · 4.625%
HK$19,169
+HK$960/mo
Deposit HK$2.27M · loan HK$3.41M · min. income ≈ HK$36,418/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$127,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,117
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,680
−HK$573/mo
Today · 4.125%
HK$19,253
baseline
▲ 0.50% · 4.625%
HK$20,424
+HK$1,171/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$38,506/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,155
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,695
−HK$549/mo
Today · 4.125%
HK$21,244
baseline
▲ 0.50% · 4.625%
HK$22,363
+HK$1,119/mo
Deposit HK$1.70M · loan HK$3.97M · min. income ≈ HK$42,488/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,293
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,017
−HK$737/mo
Today · 4.125%
HK$24,754
baseline
▲ 0.50% · 4.625%
HK$26,260
+HK$1,506/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$49,508/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,913
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,608
−HK$705/mo
Today · 4.125%
HK$27,313
baseline
▲ 0.50% · 4.625%
HK$28,753
+HK$1,440/mo
Deposit HK$568K · loan HK$5.11M · min. income ≈ HK$54,626/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$127,689 · 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).