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$12,369
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,754
−HK$390/mo
Today · 4.125%
HK$13,144
baseline
▲ 0.50% · 4.625%
HK$13,944
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,288/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,760
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,129
−HK$375/mo
Today · 4.125%
HK$14,504
baseline
▲ 0.50% · 4.625%
HK$15,268
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,008/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,843
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,304
−HK$469/mo
Today · 4.125%
HK$15,773
baseline
▲ 0.50% · 4.625%
HK$16,733
+HK$960/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,546/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,512
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,955
−HK$449/mo
Today · 4.125%
HK$17,404
baseline
▲ 0.50% · 4.625%
HK$18,322
+HK$918/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,808/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,316
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,855
−HK$547/mo
Today · 4.125%
HK$18,402
baseline
▲ 0.50% · 4.625%
HK$19,522
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,804/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,264
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,781
−HK$524/mo
Today · 4.125%
HK$20,305
baseline
▲ 0.50% · 4.625%
HK$21,375
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,610/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,264
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,956
−HK$704/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$25,100
+HK$1,440/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,320/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,768
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,433
−HK$673/mo
Today · 4.125%
HK$26,106
baseline
▲ 0.50% · 4.625%
HK$27,482
+HK$1,376/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,212/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,047 · 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).