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$12,620
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,012
−HK$399/mo
Today · 4.125%
HK$13,411
baseline
▲ 0.50% · 4.625%
HK$14,227
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,822/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,039
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,416
−HK$382/mo
Today · 4.125%
HK$14,798
baseline
▲ 0.50% · 4.625%
HK$15,578
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,596/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,143
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,615
−HK$478/mo
Today · 4.125%
HK$16,093
baseline
▲ 0.50% · 4.625%
HK$17,072
+HK$979/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,186/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,847
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,299
−HK$458/mo
Today · 4.125%
HK$17,757
baseline
▲ 0.50% · 4.625%
HK$18,693
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,514/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,667
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,217
−HK$558/mo
Today · 4.125%
HK$18,775
baseline
▲ 0.50% · 4.625%
HK$19,918
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,550/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,655
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,182
−HK$535/mo
Today · 4.125%
HK$20,717
baseline
▲ 0.50% · 4.625%
HK$21,809
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,434/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$124,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,715
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,422
−HK$718/mo
Today · 4.125%
HK$24,140
baseline
▲ 0.50% · 4.625%
HK$25,609
+HK$1,469/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$48,280/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,270
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,948
−HK$688/mo
Today · 4.125%
HK$26,636
baseline
▲ 0.50% · 4.625%
HK$28,040
+HK$1,404/mo
Deposit HK$553K · loan HK$4.98M · min. income ≈ HK$53,272/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,522 · 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).