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$12,667
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,061
−HK$400/mo
Today · 4.125%
HK$13,461
baseline
▲ 0.50% · 4.625%
HK$14,280
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,922/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,092
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,470
−HK$383/mo
Today · 4.125%
HK$14,853
baseline
▲ 0.50% · 4.625%
HK$15,636
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,706/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,200
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,673
−HK$480/mo
Today · 4.125%
HK$16,153
baseline
▲ 0.50% · 4.625%
HK$17,136
+HK$983/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,306/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,910
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,364
−HK$460/mo
Today · 4.125%
HK$17,824
baseline
▲ 0.50% · 4.625%
HK$18,763
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,648/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,734
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,285
−HK$561/mo
Today · 4.125%
HK$18,846
baseline
▲ 0.50% · 4.625%
HK$19,992
+HK$1,146/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,692/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,729
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,258
−HK$536/mo
Today · 4.125%
HK$20,794
baseline
▲ 0.50% · 4.625%
HK$21,891
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,588/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,800
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,510
−HK$720/mo
Today · 4.125%
HK$24,230
baseline
▲ 0.50% · 4.625%
HK$25,705
+HK$1,475/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,460/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,365
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,046
−HK$690/mo
Today · 4.125%
HK$26,736
baseline
▲ 0.50% · 4.625%
HK$28,145
+HK$1,409/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,472/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,989 · 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).