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$11,581
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,941
−HK$366/mo
Today · 4.125%
HK$12,307
baseline
▲ 0.50% · 4.625%
HK$13,056
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,614/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,884
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,229
−HK$351/mo
Today · 4.125%
HK$13,580
baseline
▲ 0.50% · 4.625%
HK$14,295
+HK$715/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,160/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,897
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,329
−HK$439/mo
Today · 4.125%
HK$14,768
baseline
▲ 0.50% · 4.625%
HK$15,667
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,536/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,460
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,875
−HK$421/mo
Today · 4.125%
HK$16,296
baseline
▲ 0.50% · 4.625%
HK$17,154
+HK$858/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,592/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,213
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,717
−HK$513/mo
Today · 4.125%
HK$17,230
baseline
▲ 0.50% · 4.625%
HK$18,278
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,460/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,037
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,521
−HK$490/mo
Today · 4.125%
HK$19,011
baseline
▲ 0.50% · 4.625%
HK$20,014
+HK$1,003/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,022/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,845
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,494
−HK$659/mo
Today · 4.125%
HK$22,153
baseline
▲ 0.50% · 4.625%
HK$23,501
+HK$1,348/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,306/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,190
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,812
−HK$631/mo
Today · 4.125%
HK$24,443
baseline
▲ 0.50% · 4.625%
HK$25,732
+HK$1,289/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,886/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,272 · 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).