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$11,521
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,879
−HK$365/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,988
+HK$744/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,488/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,817
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,161
−HK$349/mo
Today · 4.125%
HK$13,510
baseline
▲ 0.50% · 4.625%
HK$14,222
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,020/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,825
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,255
−HK$437/mo
Today · 4.125%
HK$14,692
baseline
▲ 0.50% · 4.625%
HK$15,586
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,384/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,380
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,793
−HK$418/mo
Today · 4.125%
HK$16,211
baseline
▲ 0.50% · 4.625%
HK$17,066
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,422/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,129
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,631
−HK$510/mo
Today · 4.125%
HK$17,141
baseline
▲ 0.50% · 4.625%
HK$18,184
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,282/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,944
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,425
−HK$488/mo
Today · 4.125%
HK$18,913
baseline
▲ 0.50% · 4.625%
HK$19,910
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,826/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,738
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,383
−HK$655/mo
Today · 4.125%
HK$22,038
baseline
▲ 0.50% · 4.625%
HK$23,379
+HK$1,341/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,076/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,071
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,689
−HK$628/mo
Today · 4.125%
HK$24,317
baseline
▲ 0.50% · 4.625%
HK$25,599
+HK$1,282/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,634/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,682 · 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).