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$12,640
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,034
−HK$399/mo
Today · 4.125%
HK$13,433
baseline
▲ 0.50% · 4.625%
HK$14,251
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,866/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,062
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$382/mo
Today · 4.125%
HK$14,822
baseline
▲ 0.50% · 4.625%
HK$15,603
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,644/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,169
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,640
−HK$480/mo
Today · 4.125%
HK$16,120
baseline
▲ 0.50% · 4.625%
HK$17,101
+HK$981/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,240/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,875
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,327
−HK$460/mo
Today · 4.125%
HK$17,787
baseline
▲ 0.50% · 4.625%
HK$18,724
+HK$937/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,574/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,697
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,247
−HK$559/mo
Today · 4.125%
HK$18,806
baseline
▲ 0.50% · 4.625%
HK$19,951
+HK$1,145/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,612/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,687
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,215
−HK$536/mo
Today · 4.125%
HK$20,751
baseline
▲ 0.50% · 4.625%
HK$21,845
+HK$1,094/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,502/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,753
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,461
−HK$719/mo
Today · 4.125%
HK$24,180
baseline
▲ 0.50% · 4.625%
HK$25,651
+HK$1,471/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,360/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,312
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,991
−HK$689/mo
Today · 4.125%
HK$26,680
baseline
▲ 0.50% · 4.625%
HK$28,086
+HK$1,406/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,360/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,728 · 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).