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$12,212
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,592
−HK$386/mo
Today · 4.125%
HK$12,978
baseline
▲ 0.50% · 4.625%
HK$13,767
+HK$789/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,956/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,586
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,950
−HK$370/mo
Today · 4.125%
HK$14,320
baseline
▲ 0.50% · 4.625%
HK$15,074
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,640/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,654
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,110
−HK$463/mo
Today · 4.125%
HK$15,573
baseline
▲ 0.50% · 4.625%
HK$16,521
+HK$948/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,146/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,303
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,740
−HK$444/mo
Today · 4.125%
HK$17,184
baseline
▲ 0.50% · 4.625%
HK$18,089
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,368/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,097
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,629
−HK$540/mo
Today · 4.125%
HK$18,169
baseline
▲ 0.50% · 4.625%
HK$19,274
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,338/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,020
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,530
−HK$518/mo
Today · 4.125%
HK$20,048
baseline
▲ 0.50% · 4.625%
HK$21,104
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,096/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,982
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,665
−HK$695/mo
Today · 4.125%
HK$23,360
baseline
▲ 0.50% · 4.625%
HK$24,781
+HK$1,421/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,720/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,454
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,110
−HK$665/mo
Today · 4.125%
HK$25,775
baseline
▲ 0.50% · 4.625%
HK$27,134
+HK$1,359/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,550/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,500 · 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).