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$11,547
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,907
−HK$365/mo
Today · 4.125%
HK$12,272
baseline
▲ 0.50% · 4.625%
HK$13,018
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,544/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,846
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,191
−HK$350/mo
Today · 4.125%
HK$13,541
baseline
▲ 0.50% · 4.625%
HK$14,254
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,082/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,857
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,288
−HK$438/mo
Today · 4.125%
HK$14,726
baseline
▲ 0.50% · 4.625%
HK$15,622
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,452/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,416
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,829
−HK$420/mo
Today · 4.125%
HK$16,249
baseline
▲ 0.50% · 4.625%
HK$17,105
+HK$856/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,498/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,166
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,669
−HK$511/mo
Today · 4.125%
HK$17,180
baseline
▲ 0.50% · 4.625%
HK$18,226
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,360/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,985
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,467
−HK$490/mo
Today · 4.125%
HK$18,957
baseline
▲ 0.50% · 4.625%
HK$19,956
+HK$999/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,914/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,785
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,432
−HK$657/mo
Today · 4.125%
HK$22,089
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,344/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$44,178/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,124
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$629/mo
Today · 4.125%
HK$24,373
baseline
▲ 0.50% · 4.625%
HK$25,658
+HK$1,285/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$48,746/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,943 · 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).