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$11,818
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,186
−HK$374/mo
Today · 4.125%
HK$12,560
baseline
▲ 0.50% · 4.625%
HK$13,324
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,120/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,148
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,501
−HK$357/mo
Today · 4.125%
HK$13,858
baseline
▲ 0.50% · 4.625%
HK$14,589
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,716/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,182
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,623
−HK$448/mo
Today · 4.125%
HK$15,071
baseline
▲ 0.50% · 4.625%
HK$15,989
+HK$918/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,142/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,777
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,201
−HK$429/mo
Today · 4.125%
HK$16,630
baseline
▲ 0.50% · 4.625%
HK$17,506
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,260/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,546
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,060
−HK$523/mo
Today · 4.125%
HK$17,583
baseline
▲ 0.50% · 4.625%
HK$18,653
+HK$1,070/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,166/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,407
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,901
−HK$501/mo
Today · 4.125%
HK$19,402
baseline
▲ 0.50% · 4.625%
HK$20,424
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,804/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,273
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$672/mo
Today · 4.125%
HK$22,607
baseline
▲ 0.50% · 4.625%
HK$23,983
+HK$1,376/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,214/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,666
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,301
−HK$644/mo
Today · 4.125%
HK$24,945
baseline
▲ 0.50% · 4.625%
HK$26,260
+HK$1,315/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,890/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,617 · 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).