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$11,758
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,123
−HK$372/mo
Today · 4.125%
HK$12,495
baseline
▲ 0.50% · 4.625%
HK$13,255
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,990/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,080
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,431
−HK$356/mo
Today · 4.125%
HK$13,787
baseline
▲ 0.50% · 4.625%
HK$14,514
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,574/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,109
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,548
−HK$446/mo
Today · 4.125%
HK$14,994
baseline
▲ 0.50% · 4.625%
HK$15,906
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,988/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,696
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,117
−HK$427/mo
Today · 4.125%
HK$16,544
baseline
▲ 0.50% · 4.625%
HK$17,417
+HK$873/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,088/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,461
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$520/mo
Today · 4.125%
HK$17,493
baseline
▲ 0.50% · 4.625%
HK$18,557
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,986/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,312
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$498/mo
Today · 4.125%
HK$19,302
baseline
▲ 0.50% · 4.625%
HK$20,319
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,604/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,164
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,822
−HK$669/mo
Today · 4.125%
HK$22,491
baseline
▲ 0.50% · 4.625%
HK$23,860
+HK$1,369/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$44,982/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,545
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,176
−HK$641/mo
Today · 4.125%
HK$24,817
baseline
▲ 0.50% · 4.625%
HK$26,125
+HK$1,308/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,634/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,018 · 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).