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$12,172
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,551
−HK$385/mo
Today · 4.125%
HK$12,936
baseline
▲ 0.50% · 4.625%
HK$13,723
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,872/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,542
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,905
−HK$368/mo
Today · 4.125%
HK$14,273
baseline
▲ 0.50% · 4.625%
HK$15,026
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,546/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,607
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,061
−HK$462/mo
Today · 4.125%
HK$15,523
baseline
▲ 0.50% · 4.625%
HK$16,467
+HK$944/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,046/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,250
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,686
−HK$442/mo
Today · 4.125%
HK$17,128
baseline
▲ 0.50% · 4.625%
HK$18,031
+HK$903/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,256/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,041
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,571
−HK$539/mo
Today · 4.125%
HK$18,110
baseline
▲ 0.50% · 4.625%
HK$19,212
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,220/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,958
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,467
−HK$516/mo
Today · 4.125%
HK$19,983
baseline
▲ 0.50% · 4.625%
HK$21,036
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,966/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,910
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,592
−HK$692/mo
Today · 4.125%
HK$23,284
baseline
▲ 0.50% · 4.625%
HK$24,701
+HK$1,417/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,568/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,375
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,029
−HK$663/mo
Today · 4.125%
HK$25,692
baseline
▲ 0.50% · 4.625%
HK$27,046
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,384/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,109 · 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).