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$12,688
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,083
−HK$401/mo
Today · 4.125%
HK$13,484
baseline
▲ 0.50% · 4.625%
HK$14,305
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,968/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,116
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,494
−HK$384/mo
Today · 4.125%
HK$14,878
baseline
▲ 0.50% · 4.625%
HK$15,663
+HK$785/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,756/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,226
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,700
−HK$481/mo
Today · 4.125%
HK$16,181
baseline
▲ 0.50% · 4.625%
HK$17,165
+HK$984/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,362/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,939
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,393
−HK$461/mo
Today · 4.125%
HK$17,854
baseline
▲ 0.50% · 4.625%
HK$18,795
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,708/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,764
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,316
−HK$562/mo
Today · 4.125%
HK$18,878
baseline
▲ 0.50% · 4.625%
HK$20,026
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,756/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,762
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,292
−HK$538/mo
Today · 4.125%
HK$20,830
baseline
▲ 0.50% · 4.625%
HK$21,928
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,660/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,839
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$722/mo
Today · 4.125%
HK$24,271
baseline
▲ 0.50% · 4.625%
HK$25,748
+HK$1,477/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,542/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,408
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,090
−HK$691/mo
Today · 4.125%
HK$26,781
baseline
▲ 0.50% · 4.625%
HK$28,193
+HK$1,412/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,562/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,200 · 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).