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$12,777
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,175
−HK$404/mo
Today · 4.125%
HK$13,579
baseline
▲ 0.50% · 4.625%
HK$14,405
+HK$826/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$27,158/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,215
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,596
−HK$387/mo
Today · 4.125%
HK$14,983
baseline
▲ 0.50% · 4.625%
HK$15,772
+HK$789/mo
Deposit HK$2.80M · loan HK$2.80M · min. income ≈ HK$29,966/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$126,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,333
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,810
−HK$484/mo
Today · 4.125%
HK$16,294
baseline
▲ 0.50% · 4.625%
HK$17,286
+HK$992/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$32,588/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,058
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,515
−HK$464/mo
Today · 4.125%
HK$17,979
baseline
▲ 0.50% · 4.625%
HK$18,927
+HK$948/mo
Deposit HK$2.24M · loan HK$3.36M · min. income ≈ HK$35,958/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$126,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,888
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,445
−HK$565/mo
Today · 4.125%
HK$19,010
baseline
▲ 0.50% · 4.625%
HK$20,167
+HK$1,157/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$38,020/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,901
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,434
−HK$542/mo
Today · 4.125%
HK$20,976
baseline
▲ 0.50% · 4.625%
HK$22,081
+HK$1,105/mo
Deposit HK$1.68M · loan HK$3.92M · min. income ≈ HK$41,952/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$126,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,999
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,715
−HK$726/mo
Today · 4.125%
HK$24,441
baseline
▲ 0.50% · 4.625%
HK$25,929
+HK$1,488/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,882/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,586
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$696/mo
Today · 4.125%
HK$26,969
baseline
▲ 0.50% · 4.625%
HK$28,390
+HK$1,421/mo
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$53,938/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,079 · 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).