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$12,743
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,139
−HK$403/mo
Today · 4.125%
HK$13,542
baseline
▲ 0.50% · 4.625%
HK$14,366
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,084/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,176
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,556
−HK$386/mo
Today · 4.125%
HK$14,942
baseline
▲ 0.50% · 4.625%
HK$15,730
+HK$788/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,884/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,291
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,767
−HK$483/mo
Today · 4.125%
HK$16,250
baseline
▲ 0.50% · 4.625%
HK$17,239
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,500/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,011
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,468
−HK$462/mo
Today · 4.125%
HK$17,930
baseline
▲ 0.50% · 4.625%
HK$18,875
+HK$945/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,860/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,840
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,395
−HK$563/mo
Today · 4.125%
HK$18,958
baseline
▲ 0.50% · 4.625%
HK$20,112
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,916/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,846
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,379
−HK$540/mo
Today · 4.125%
HK$20,919
baseline
▲ 0.50% · 4.625%
HK$22,021
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,838/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,937
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,650
−HK$725/mo
Today · 4.125%
HK$24,375
baseline
▲ 0.50% · 4.625%
HK$25,858
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,750/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,517
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,201
−HK$695/mo
Today · 4.125%
HK$26,896
baseline
▲ 0.50% · 4.625%
HK$28,313
+HK$1,417/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,792/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,736 · 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).