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$12,915
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,316
−HK$409/mo
Today · 4.125%
HK$13,725
baseline
▲ 0.50% · 4.625%
HK$14,560
+HK$835/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,450/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,368
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,753
−HK$391/mo
Today · 4.125%
HK$15,144
baseline
▲ 0.50% · 4.625%
HK$15,942
+HK$798/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,288/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,498
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,980
−HK$490/mo
Today · 4.125%
HK$16,470
baseline
▲ 0.50% · 4.625%
HK$17,472
+HK$1,002/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$32,940/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,241
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,703
−HK$469/mo
Today · 4.125%
HK$18,172
baseline
▲ 0.50% · 4.625%
HK$19,130
+HK$958/mo
Deposit HK$2.27M · loan HK$3.40M · min. income ≈ HK$36,344/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,081
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,643
−HK$571/mo
Today · 4.125%
HK$19,214
baseline
▲ 0.50% · 4.625%
HK$20,384
+HK$1,170/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,428/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,115
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,654
−HK$547/mo
Today · 4.125%
HK$21,201
baseline
▲ 0.50% · 4.625%
HK$22,319
+HK$1,118/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,402/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$127,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,247
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,970
−HK$734/mo
Today · 4.125%
HK$24,704
baseline
▲ 0.50% · 4.625%
HK$26,207
+HK$1,503/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,408/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,862
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,555
−HK$704/mo
Today · 4.125%
HK$27,259
baseline
▲ 0.50% · 4.625%
HK$28,696
+HK$1,437/mo
Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$54,518/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,434 · 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).