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$11,823
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,191
−HK$373/mo
Today · 4.125%
HK$12,564
baseline
▲ 0.50% · 4.625%
HK$13,329
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,128/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,153
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,506
−HK$357/mo
Today · 4.125%
HK$13,863
baseline
▲ 0.50% · 4.625%
HK$14,594
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,726/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,187
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$448/mo
Today · 4.125%
HK$15,077
baseline
▲ 0.50% · 4.625%
HK$15,995
+HK$918/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,154/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,783
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$429/mo
Today · 4.125%
HK$16,636
baseline
▲ 0.50% · 4.625%
HK$17,513
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,272/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,552
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,067
−HK$523/mo
Today · 4.125%
HK$17,590
baseline
▲ 0.50% · 4.625%
HK$18,660
+HK$1,070/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,180/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,414
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,908
−HK$501/mo
Today · 4.125%
HK$19,409
baseline
▲ 0.50% · 4.625%
HK$20,432
+HK$1,023/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,818/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,281
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,943
−HK$673/mo
Today · 4.125%
HK$22,616
baseline
▲ 0.50% · 4.625%
HK$23,992
+HK$1,376/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$45,232/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,675
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,310
−HK$644/mo
Today · 4.125%
HK$24,954
baseline
▲ 0.50% · 4.625%
HK$26,270
+HK$1,316/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$49,908/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,661 · 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).