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$11,868
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,237
−HK$375/mo
Today · 4.125%
HK$12,612
baseline
▲ 0.50% · 4.625%
HK$13,380
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,224/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,203
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,557
−HK$359/mo
Today · 4.125%
HK$13,916
baseline
▲ 0.50% · 4.625%
HK$14,650
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,832/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,242
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,685
−HK$450/mo
Today · 4.125%
HK$15,135
baseline
▲ 0.50% · 4.625%
HK$16,056
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,270/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,844
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,269
−HK$431/mo
Today · 4.125%
HK$16,700
baseline
▲ 0.50% · 4.625%
HK$17,580
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,400/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,615
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,132
−HK$525/mo
Today · 4.125%
HK$17,657
baseline
▲ 0.50% · 4.625%
HK$18,732
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,314/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,484
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,980
−HK$503/mo
Today · 4.125%
HK$19,483
baseline
▲ 0.50% · 4.625%
HK$20,510
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,966/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,363
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,027
−HK$675/mo
Today · 4.125%
HK$22,702
baseline
▲ 0.50% · 4.625%
HK$24,084
+HK$1,382/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,404/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,766
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,403
−HK$647/mo
Today · 4.125%
HK$25,050
baseline
▲ 0.50% · 4.625%
HK$26,370
+HK$1,320/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,100/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,106 · 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).