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$12,554
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,945
−HK$397/mo
Today · 4.125%
HK$13,342
baseline
▲ 0.50% · 4.625%
HK$14,153
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,684/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,967
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,341
−HK$380/mo
Today · 4.125%
HK$14,721
baseline
▲ 0.50% · 4.625%
HK$15,497
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,442/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,065
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,534
−HK$476/mo
Today · 4.125%
HK$16,010
baseline
▲ 0.50% · 4.625%
HK$16,984
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,020/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,760
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,209
−HK$456/mo
Today · 4.125%
HK$17,665
baseline
▲ 0.50% · 4.625%
HK$18,597
+HK$932/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,330/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,576
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,123
−HK$555/mo
Today · 4.125%
HK$18,678
baseline
▲ 0.50% · 4.625%
HK$19,815
+HK$1,137/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,356/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,553
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,078
−HK$532/mo
Today · 4.125%
HK$20,610
baseline
▲ 0.50% · 4.625%
HK$21,696
+HK$1,086/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,220/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,598
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,301
−HK$714/mo
Today · 4.125%
HK$24,015
baseline
▲ 0.50% · 4.625%
HK$25,476
+HK$1,461/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,030/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,140
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,814
−HK$684/mo
Today · 4.125%
HK$26,498
baseline
▲ 0.50% · 4.625%
HK$27,895
+HK$1,397/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$52,996/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,878 · 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).