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$12,062
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,437
−HK$382/mo
Today · 4.125%
HK$12,819
baseline
▲ 0.50% · 4.625%
HK$13,599
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,638/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,419
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,779
−HK$365/mo
Today · 4.125%
HK$14,144
baseline
▲ 0.50% · 4.625%
HK$14,890
+HK$746/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,288/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,475
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,925
−HK$457/mo
Today · 4.125%
HK$15,382
baseline
▲ 0.50% · 4.625%
HK$16,318
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,764/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$119,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,103
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,535
−HK$438/mo
Today · 4.125%
HK$16,973
baseline
▲ 0.50% · 4.625%
HK$17,868
+HK$895/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,946/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$119,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,887
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,412
−HK$534/mo
Today · 4.125%
HK$17,946
baseline
▲ 0.50% · 4.625%
HK$19,038
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,892/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,787
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,291
−HK$511/mo
Today · 4.125%
HK$19,802
baseline
▲ 0.50% · 4.625%
HK$20,845
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,604/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,712
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,387
−HK$686/mo
Today · 4.125%
HK$23,073
baseline
▲ 0.50% · 4.625%
HK$24,477
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,146/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,154
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,802
−HK$657/mo
Today · 4.125%
HK$25,459
baseline
▲ 0.50% · 4.625%
HK$26,801
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,918/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,022 · 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).