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$12,085
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,461
−HK$382/mo
Today · 4.125%
HK$12,843
baseline
▲ 0.50% · 4.625%
HK$13,624
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,686/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,444
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,805
−HK$366/mo
Today · 4.125%
HK$14,171
baseline
▲ 0.50% · 4.625%
HK$14,918
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,342/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,502
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,953
−HK$458/mo
Today · 4.125%
HK$15,411
baseline
▲ 0.50% · 4.625%
HK$16,349
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,822/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,133
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,566
−HK$439/mo
Today · 4.125%
HK$17,005
baseline
▲ 0.50% · 4.625%
HK$17,901
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,010/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,919
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,445
−HK$535/mo
Today · 4.125%
HK$17,980
baseline
▲ 0.50% · 4.625%
HK$19,074
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,960/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,822
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,327
−HK$512/mo
Today · 4.125%
HK$19,839
baseline
▲ 0.50% · 4.625%
HK$20,885
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,678/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,753
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,430
−HK$687/mo
Today · 4.125%
HK$23,117
baseline
▲ 0.50% · 4.625%
HK$24,524
+HK$1,407/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,234/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,200
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,849
−HK$658/mo
Today · 4.125%
HK$25,507
baseline
▲ 0.50% · 4.625%
HK$26,852
+HK$1,345/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,014/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,247 · 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).