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$11,586
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,946
−HK$366/mo
Today · 4.125%
HK$12,312
baseline
▲ 0.50% · 4.625%
HK$13,061
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,624/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,889
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,235
−HK$350/mo
Today · 4.125%
HK$13,585
baseline
▲ 0.50% · 4.625%
HK$14,302
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,170/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,903
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,335
−HK$440/mo
Today · 4.125%
HK$14,775
baseline
▲ 0.50% · 4.625%
HK$15,674
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,550/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,467
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,882
−HK$420/mo
Today · 4.125%
HK$16,302
baseline
▲ 0.50% · 4.625%
HK$17,162
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,604/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,220
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,725
−HK$512/mo
Today · 4.125%
HK$17,237
baseline
▲ 0.50% · 4.625%
HK$18,286
+HK$1,049/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,474/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,045
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,529
−HK$491/mo
Today · 4.125%
HK$19,020
baseline
▲ 0.50% · 4.625%
HK$20,022
+HK$1,002/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,040/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,854
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,503
−HK$659/mo
Today · 4.125%
HK$22,162
baseline
▲ 0.50% · 4.625%
HK$23,511
+HK$1,349/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,324/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,200
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,823
−HK$631/mo
Today · 4.125%
HK$24,454
baseline
▲ 0.50% · 4.625%
HK$25,743
+HK$1,289/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,908/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,321 · 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).