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$12,392
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,777
−HK$392/mo
Today · 4.125%
HK$13,169
baseline
▲ 0.50% · 4.625%
HK$13,970
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,338/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,786
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,155
−HK$375/mo
Today · 4.125%
HK$14,530
baseline
▲ 0.50% · 4.625%
HK$15,296
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,060/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,870
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,332
−HK$470/mo
Today · 4.125%
HK$15,802
baseline
▲ 0.50% · 4.625%
HK$16,764
+HK$962/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,604/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,543
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,986
−HK$450/mo
Today · 4.125%
HK$17,436
baseline
▲ 0.50% · 4.625%
HK$18,355
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,872/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,348
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,888
−HK$548/mo
Today · 4.125%
HK$18,436
baseline
▲ 0.50% · 4.625%
HK$19,558
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,872/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,300
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,817
−HK$525/mo
Today · 4.125%
HK$20,342
baseline
▲ 0.50% · 4.625%
HK$21,415
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,684/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,305
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,999
−HK$705/mo
Today · 4.125%
HK$23,704
baseline
▲ 0.50% · 4.625%
HK$25,146
+HK$1,442/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,408/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,814
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,479
−HK$676/mo
Today · 4.125%
HK$26,155
baseline
▲ 0.50% · 4.625%
HK$27,533
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,310/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,272 · 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).