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$12,622
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,015
−HK$399/mo
Today · 4.125%
HK$13,414
baseline
▲ 0.50% · 4.625%
HK$14,230
+HK$816/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,828/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,042
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,419
−HK$382/mo
Today · 4.125%
HK$14,801
baseline
▲ 0.50% · 4.625%
HK$15,581
+HK$780/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,602/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$124,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,147
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,618
−HK$478/mo
Today · 4.125%
HK$16,096
baseline
▲ 0.50% · 4.625%
HK$17,076
+HK$980/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$32,192/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,851
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,302
−HK$459/mo
Today · 4.125%
HK$17,761
baseline
▲ 0.50% · 4.625%
HK$18,697
+HK$936/mo
Deposit HK$2.21M · loan HK$3.32M · min. income ≈ HK$35,522/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,671
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,221
−HK$558/mo
Today · 4.125%
HK$18,779
baseline
▲ 0.50% · 4.625%
HK$19,922
+HK$1,143/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$37,558/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,659
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,186
−HK$535/mo
Today · 4.125%
HK$20,721
baseline
▲ 0.50% · 4.625%
HK$21,813
+HK$1,092/mo
Deposit HK$1.66M · loan HK$3.87M · min. income ≈ HK$41,442/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,720
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,427
−HK$718/mo
Today · 4.125%
HK$24,145
baseline
▲ 0.50% · 4.625%
HK$25,614
+HK$1,469/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$48,290/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,276
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,954
−HK$687/mo
Today · 4.125%
HK$26,641
baseline
▲ 0.50% · 4.625%
HK$28,046
+HK$1,405/mo
Deposit HK$554K · loan HK$4.98M · min. income ≈ HK$53,282/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$124,548 · 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).