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$12,619
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,011
−HK$399/mo
Today · 4.125%
HK$13,410
baseline
▲ 0.50% · 4.625%
HK$14,226
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,820/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,038
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,415
−HK$381/mo
Today · 4.125%
HK$14,796
baseline
▲ 0.50% · 4.625%
HK$15,576
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,592/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,142
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,613
−HK$479/mo
Today · 4.125%
HK$16,092
baseline
▲ 0.50% · 4.625%
HK$17,071
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,184/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,846
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,297
−HK$459/mo
Today · 4.125%
HK$17,756
baseline
▲ 0.50% · 4.625%
HK$18,692
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,512/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,666
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,215
−HK$559/mo
Today · 4.125%
HK$18,774
baseline
▲ 0.50% · 4.625%
HK$19,916
+HK$1,142/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,548/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,653
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,180
−HK$535/mo
Today · 4.125%
HK$20,715
baseline
▲ 0.50% · 4.625%
HK$21,807
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,430/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,713
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,420
−HK$718/mo
Today · 4.125%
HK$24,138
baseline
▲ 0.50% · 4.625%
HK$25,606
+HK$1,468/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,276/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,268
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,946
−HK$688/mo
Today · 4.125%
HK$26,634
baseline
▲ 0.50% · 4.625%
HK$28,037
+HK$1,403/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,268/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,512 · 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).