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$12,406
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,792
−HK$392/mo
Today · 4.125%
HK$13,184
baseline
▲ 0.50% · 4.625%
HK$13,987
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,368/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,802
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,172
−HK$376/mo
Today · 4.125%
HK$14,548
baseline
▲ 0.50% · 4.625%
HK$15,315
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,096/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,888
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,351
−HK$470/mo
Today · 4.125%
HK$15,821
baseline
▲ 0.50% · 4.625%
HK$16,784
+HK$963/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,642/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,562
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,007
−HK$450/mo
Today · 4.125%
HK$17,457
baseline
▲ 0.50% · 4.625%
HK$18,378
+HK$921/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,914/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,369
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,909
−HK$549/mo
Today · 4.125%
HK$18,458
baseline
▲ 0.50% · 4.625%
HK$19,581
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,916/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,323
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,841
−HK$526/mo
Today · 4.125%
HK$20,367
baseline
▲ 0.50% · 4.625%
HK$21,440
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,734/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,332
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,026
−HK$706/mo
Today · 4.125%
HK$23,732
baseline
▲ 0.50% · 4.625%
HK$25,176
+HK$1,444/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,464/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,844
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,510
−HK$676/mo
Today · 4.125%
HK$26,186
baseline
▲ 0.50% · 4.625%
HK$27,566
+HK$1,380/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,372/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,419 · 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).