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$11,978
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,350
−HK$379/mo
Today · 4.125%
HK$12,729
baseline
▲ 0.50% · 4.625%
HK$13,503
+HK$774/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,458/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,325
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,683
−HK$362/mo
Today · 4.125%
HK$14,045
baseline
▲ 0.50% · 4.625%
HK$14,785
+HK$740/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,090/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,373
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,820
−HK$455/mo
Today · 4.125%
HK$15,275
baseline
▲ 0.50% · 4.625%
HK$16,204
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,550/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,990
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,419
−HK$435/mo
Today · 4.125%
HK$16,854
baseline
▲ 0.50% · 4.625%
HK$17,742
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,708/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,769
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,291
−HK$529/mo
Today · 4.125%
HK$17,820
baseline
▲ 0.50% · 4.625%
HK$18,905
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,640/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,655
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,156
−HK$507/mo
Today · 4.125%
HK$19,663
baseline
▲ 0.50% · 4.625%
HK$20,700
+HK$1,037/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,326/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,560
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,231
−HK$681/mo
Today · 4.125%
HK$22,912
baseline
▲ 0.50% · 4.625%
HK$24,306
+HK$1,394/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,824/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,985
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,629
−HK$652/mo
Today · 4.125%
HK$25,281
baseline
▲ 0.50% · 4.625%
HK$26,614
+HK$1,333/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,562/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,189 · 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).