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$11,822
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,190
−HK$373/mo
Today · 4.125%
HK$12,563
baseline
▲ 0.50% · 4.625%
HK$13,328
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,126/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,152
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,504
−HK$358/mo
Today · 4.125%
HK$13,862
baseline
▲ 0.50% · 4.625%
HK$14,593
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,724/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,186
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,627
−HK$449/mo
Today · 4.125%
HK$15,076
baseline
▲ 0.50% · 4.625%
HK$15,993
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,152/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,782
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,205
−HK$430/mo
Today · 4.125%
HK$16,635
baseline
▲ 0.50% · 4.625%
HK$17,511
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,270/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,551
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,065
−HK$523/mo
Today · 4.125%
HK$17,588
baseline
▲ 0.50% · 4.625%
HK$18,659
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,176/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,412
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,906
−HK$501/mo
Today · 4.125%
HK$19,407
baseline
▲ 0.50% · 4.625%
HK$20,430
+HK$1,023/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,814/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,279
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,941
−HK$673/mo
Today · 4.125%
HK$22,614
baseline
▲ 0.50% · 4.625%
HK$23,990
+HK$1,376/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$45,228/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,673
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,308
−HK$644/mo
Today · 4.125%
HK$24,952
baseline
▲ 0.50% · 4.625%
HK$26,267
+HK$1,315/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$49,904/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,650 · 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).