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$12,042
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,417
−HK$380/mo
Today · 4.125%
HK$12,797
baseline
▲ 0.50% · 4.625%
HK$13,576
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,594/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,397
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,756
−HK$364/mo
Today · 4.125%
HK$14,120
baseline
▲ 0.50% · 4.625%
HK$14,865
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,240/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,450
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,900
−HK$456/mo
Today · 4.125%
HK$15,356
baseline
▲ 0.50% · 4.625%
HK$16,291
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,712/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,076
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,507
−HK$437/mo
Today · 4.125%
HK$16,944
baseline
▲ 0.50% · 4.625%
HK$17,838
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,888/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,859
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,383
−HK$533/mo
Today · 4.125%
HK$17,916
baseline
▲ 0.50% · 4.625%
HK$19,006
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,832/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,755
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,258
−HK$510/mo
Today · 4.125%
HK$19,768
baseline
▲ 0.50% · 4.625%
HK$20,810
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,536/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,675
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,350
−HK$685/mo
Today · 4.125%
HK$23,035
baseline
▲ 0.50% · 4.625%
HK$24,436
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,070/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,114
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,760
−HK$657/mo
Today · 4.125%
HK$25,417
baseline
▲ 0.50% · 4.625%
HK$26,756
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,834/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,822 · 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).