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$12,697
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,092
−HK$401/mo
Today · 4.125%
HK$13,493
baseline
▲ 0.50% · 4.625%
HK$14,314
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,986/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,125
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,504
−HK$384/mo
Today · 4.125%
HK$14,888
baseline
▲ 0.50% · 4.625%
HK$15,673
+HK$785/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,776/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,236
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,710
−HK$482/mo
Today · 4.125%
HK$16,192
baseline
▲ 0.50% · 4.625%
HK$17,177
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,384/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,950
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,405
−HK$461/mo
Today · 4.125%
HK$17,866
baseline
▲ 0.50% · 4.625%
HK$18,808
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,732/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,776
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,329
−HK$561/mo
Today · 4.125%
HK$18,890
baseline
▲ 0.50% · 4.625%
HK$20,040
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,780/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,775
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,306
−HK$538/mo
Today · 4.125%
HK$20,844
baseline
▲ 0.50% · 4.625%
HK$21,942
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,688/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,854
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,565
−HK$723/mo
Today · 4.125%
HK$24,288
baseline
▲ 0.50% · 4.625%
HK$25,765
+HK$1,477/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,576/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,425
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,107
−HK$692/mo
Today · 4.125%
HK$26,799
baseline
▲ 0.50% · 4.625%
HK$28,212
+HK$1,413/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,598/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,285 · 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).