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$11,677
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,041
−HK$369/mo
Today · 4.125%
HK$12,410
baseline
▲ 0.50% · 4.625%
HK$13,165
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,820/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,991
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,339
−HK$354/mo
Today · 4.125%
HK$13,693
baseline
▲ 0.50% · 4.625%
HK$14,415
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,386/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,013
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,449
−HK$443/mo
Today · 4.125%
HK$14,892
baseline
▲ 0.50% · 4.625%
HK$15,798
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,784/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,589
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,007
−HK$424/mo
Today · 4.125%
HK$16,431
baseline
▲ 0.50% · 4.625%
HK$17,298
+HK$867/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,862/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,348
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,857
−HK$517/mo
Today · 4.125%
HK$17,374
baseline
▲ 0.50% · 4.625%
HK$18,431
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,748/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,187
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,675
−HK$495/mo
Today · 4.125%
HK$19,170
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,340/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,019
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,673
−HK$664/mo
Today · 4.125%
HK$22,337
baseline
▲ 0.50% · 4.625%
HK$23,697
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,674/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,384
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,011
−HK$636/mo
Today · 4.125%
HK$24,647
baseline
▲ 0.50% · 4.625%
HK$25,946
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,294/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,225 · 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).