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$12,809
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,208
−HK$405/mo
Today · 4.125%
HK$13,613
baseline
▲ 0.50% · 4.625%
HK$14,441
+HK$828/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$27,226/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,250
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,633
−HK$387/mo
Today · 4.125%
HK$15,020
baseline
▲ 0.50% · 4.625%
HK$15,812
+HK$792/mo
Deposit HK$2.81M · loan HK$2.81M · min. income ≈ HK$30,040/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$126,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,371
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,849
−HK$486/mo
Today · 4.125%
HK$16,335
baseline
▲ 0.50% · 4.625%
HK$17,329
+HK$994/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$32,670/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,100
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,559
−HK$465/mo
Today · 4.125%
HK$18,024
baseline
▲ 0.50% · 4.625%
HK$18,974
+HK$950/mo
Deposit HK$2.25M · loan HK$3.37M · min. income ≈ HK$36,048/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,933
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,491
−HK$567/mo
Today · 4.125%
HK$19,058
baseline
▲ 0.50% · 4.625%
HK$20,217
+HK$1,159/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$38,116/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,950
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,486
−HK$542/mo
Today · 4.125%
HK$21,028
baseline
▲ 0.50% · 4.625%
HK$22,137
+HK$1,109/mo
Deposit HK$1.69M · loan HK$3.93M · min. income ≈ HK$42,056/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,057
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,774
−HK$729/mo
Today · 4.125%
HK$24,503
baseline
▲ 0.50% · 4.625%
HK$25,994
+HK$1,491/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$49,006/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,651
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,339
−HK$697/mo
Today · 4.125%
HK$27,036
baseline
▲ 0.50% · 4.625%
HK$28,462
+HK$1,426/mo
Deposit HK$562K · loan HK$5.06M · min. income ≈ HK$54,072/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$126,395 · 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).