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$11,680
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,044
−HK$369/mo
Today · 4.125%
HK$12,413
baseline
▲ 0.50% · 4.625%
HK$13,168
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,826/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,994
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,343
−HK$353/mo
Today · 4.125%
HK$13,696
baseline
▲ 0.50% · 4.625%
HK$14,418
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,392/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,017
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,453
−HK$443/mo
Today · 4.125%
HK$14,896
baseline
▲ 0.50% · 4.625%
HK$15,802
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,792/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,593
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,012
−HK$424/mo
Today · 4.125%
HK$16,436
baseline
▲ 0.50% · 4.625%
HK$17,302
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,872/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,353
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,861
−HK$517/mo
Today · 4.125%
HK$17,378
baseline
▲ 0.50% · 4.625%
HK$18,436
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,756/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,192
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,680
−HK$495/mo
Today · 4.125%
HK$19,175
baseline
▲ 0.50% · 4.625%
HK$20,186
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,350/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,025
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,679
−HK$664/mo
Today · 4.125%
HK$22,343
baseline
▲ 0.50% · 4.625%
HK$23,703
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,686/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,390
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,017
−HK$637/mo
Today · 4.125%
HK$24,654
baseline
▲ 0.50% · 4.625%
HK$25,953
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,308/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,255 · 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).