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$12,571
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,962
−HK$397/mo
Today · 4.125%
HK$13,359
baseline
▲ 0.50% · 4.625%
HK$14,172
+HK$813/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$26,718/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,985
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,360
−HK$380/mo
Today · 4.125%
HK$14,740
baseline
▲ 0.50% · 4.625%
HK$15,517
+HK$777/mo
Deposit HK$2.76M · loan HK$2.76M · min. income ≈ HK$29,480/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$124,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,085
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,554
−HK$477/mo
Today · 4.125%
HK$16,031
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$975/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$32,062/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,782
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,232
−HK$457/mo
Today · 4.125%
HK$17,689
baseline
▲ 0.50% · 4.625%
HK$18,621
+HK$932/mo
Deposit HK$2.21M · loan HK$3.31M · min. income ≈ HK$35,378/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$124,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,599
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,147
−HK$556/mo
Today · 4.125%
HK$18,703
baseline
▲ 0.50% · 4.625%
HK$19,841
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,406/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,579
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,104
−HK$533/mo
Today · 4.125%
HK$20,637
baseline
▲ 0.50% · 4.625%
HK$21,724
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,274/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,627
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,331
−HK$715/mo
Today · 4.125%
HK$24,046
baseline
▲ 0.50% · 4.625%
HK$25,510
+HK$1,464/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,092/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,173
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,848
−HK$685/mo
Today · 4.125%
HK$26,533
baseline
▲ 0.50% · 4.625%
HK$27,931
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,066/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$124,041 · 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).