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$11,975
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,348
−HK$378/mo
Today · 4.125%
HK$12,726
baseline
▲ 0.50% · 4.625%
HK$13,500
+HK$774/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,452/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,322
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,680
−HK$362/mo
Today · 4.125%
HK$14,042
baseline
▲ 0.50% · 4.625%
HK$14,782
+HK$740/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,084/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,370
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,817
−HK$454/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,201
+HK$930/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,542/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,987
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,415
−HK$435/mo
Today · 4.125%
HK$16,850
baseline
▲ 0.50% · 4.625%
HK$17,739
+HK$889/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,700/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,765
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,287
−HK$530/mo
Today · 4.125%
HK$17,817
baseline
▲ 0.50% · 4.625%
HK$18,901
+HK$1,084/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,634/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,651
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,151
−HK$508/mo
Today · 4.125%
HK$19,659
baseline
▲ 0.50% · 4.625%
HK$20,695
+HK$1,036/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,318/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,555
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,226
−HK$681/mo
Today · 4.125%
HK$22,907
baseline
▲ 0.50% · 4.625%
HK$24,301
+HK$1,394/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,814/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,980
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,623
−HK$653/mo
Today · 4.125%
HK$25,276
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,332/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,552/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,163 · 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).