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$11,565
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,925
−HK$365/mo
Today · 4.125%
HK$12,290
baseline
▲ 0.50% · 4.625%
HK$13,038
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,580/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,866
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,211
−HK$350/mo
Today · 4.125%
HK$13,561
baseline
▲ 0.50% · 4.625%
HK$14,276
+HK$715/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,122/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,878
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,309
−HK$439/mo
Today · 4.125%
HK$14,748
baseline
▲ 0.50% · 4.625%
HK$15,645
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,496/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,439
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,853
−HK$420/mo
Today · 4.125%
HK$16,273
baseline
▲ 0.50% · 4.625%
HK$17,131
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,546/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,191
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,694
−HK$512/mo
Today · 4.125%
HK$17,206
baseline
▲ 0.50% · 4.625%
HK$18,253
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,412/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,012
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,495
−HK$490/mo
Today · 4.125%
HK$18,985
baseline
▲ 0.50% · 4.625%
HK$19,986
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,970/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,817
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,464
−HK$658/mo
Today · 4.125%
HK$22,122
baseline
▲ 0.50% · 4.625%
HK$23,468
+HK$1,346/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,244/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,158
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,779
−HK$630/mo
Today · 4.125%
HK$24,409
baseline
▲ 0.50% · 4.625%
HK$25,696
+HK$1,287/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,818/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,114 · 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).