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$12,447
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,834
−HK$393/mo
Today · 4.125%
HK$13,227
baseline
▲ 0.50% · 4.625%
HK$14,032
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,454/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,847
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,218
−HK$377/mo
Today · 4.125%
HK$14,595
baseline
▲ 0.50% · 4.625%
HK$15,364
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,190/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,936
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,401
−HK$472/mo
Today · 4.125%
HK$15,873
baseline
▲ 0.50% · 4.625%
HK$16,839
+HK$966/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$31,746/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,616
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,062
−HK$452/mo
Today · 4.125%
HK$17,514
baseline
▲ 0.50% · 4.625%
HK$18,437
+HK$923/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$35,028/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,426
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,968
−HK$550/mo
Today · 4.125%
HK$18,518
baseline
▲ 0.50% · 4.625%
HK$19,645
+HK$1,127/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,036/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,386
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,906
−HK$527/mo
Today · 4.125%
HK$20,433
baseline
▲ 0.50% · 4.625%
HK$21,510
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,866/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,404
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,101
−HK$708/mo
Today · 4.125%
HK$23,809
baseline
▲ 0.50% · 4.625%
HK$25,258
+HK$1,449/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,618/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,925
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,593
−HK$678/mo
Today · 4.125%
HK$26,271
baseline
▲ 0.50% · 4.625%
HK$27,656
+HK$1,385/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,542/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,818 · 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).