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$11,788
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,155
−HK$373/mo
Today · 4.125%
HK$12,528
baseline
▲ 0.50% · 4.625%
HK$13,290
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,056/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,114
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,466
−HK$357/mo
Today · 4.125%
HK$13,823
baseline
▲ 0.50% · 4.625%
HK$14,552
+HK$729/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,646/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,146
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,586
−HK$447/mo
Today · 4.125%
HK$15,033
baseline
▲ 0.50% · 4.625%
HK$15,948
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,066/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,737
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,159
−HK$429/mo
Today · 4.125%
HK$16,588
baseline
▲ 0.50% · 4.625%
HK$17,462
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,176/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,504
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,017
−HK$522/mo
Today · 4.125%
HK$17,539
baseline
▲ 0.50% · 4.625%
HK$18,606
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,078/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,360
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,853
−HK$499/mo
Today · 4.125%
HK$19,352
baseline
▲ 0.50% · 4.625%
HK$20,372
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,704/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,219
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,879
−HK$671/mo
Today · 4.125%
HK$22,550
baseline
▲ 0.50% · 4.625%
HK$23,922
+HK$1,372/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,100/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,606
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,239
−HK$642/mo
Today · 4.125%
HK$24,881
baseline
▲ 0.50% · 4.625%
HK$26,193
+HK$1,312/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,762/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,320 · 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).