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$12,693
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,088
−HK$401/mo
Today · 4.125%
HK$13,489
baseline
▲ 0.50% · 4.625%
HK$14,310
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,978/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,121
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,500
−HK$384/mo
Today · 4.125%
HK$14,884
baseline
▲ 0.50% · 4.625%
HK$15,668
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,768/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,232
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$482/mo
Today · 4.125%
HK$16,187
baseline
▲ 0.50% · 4.625%
HK$17,172
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,374/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,945
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,400
−HK$461/mo
Today · 4.125%
HK$17,861
baseline
▲ 0.50% · 4.625%
HK$18,802
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,722/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,770
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,323
−HK$562/mo
Today · 4.125%
HK$18,885
baseline
▲ 0.50% · 4.625%
HK$20,034
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,770/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,769
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,299
−HK$538/mo
Today · 4.125%
HK$20,837
baseline
▲ 0.50% · 4.625%
HK$21,936
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,674/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,848
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,558
−HK$722/mo
Today · 4.125%
HK$24,280
baseline
▲ 0.50% · 4.625%
HK$25,758
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,560/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,418
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,099
−HK$692/mo
Today · 4.125%
HK$26,791
baseline
▲ 0.50% · 4.625%
HK$28,203
+HK$1,412/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,582/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,247 · 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).