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$11,931
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,302
−HK$377/mo
Today · 4.125%
HK$12,679
baseline
▲ 0.50% · 4.625%
HK$13,451
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,358/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,273
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,629
−HK$361/mo
Today · 4.125%
HK$13,990
baseline
▲ 0.50% · 4.625%
HK$14,728
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,980/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,317
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,763
−HK$452/mo
Today · 4.125%
HK$15,215
baseline
▲ 0.50% · 4.625%
HK$16,141
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,430/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,928
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,355
−HK$433/mo
Today · 4.125%
HK$16,788
baseline
▲ 0.50% · 4.625%
HK$17,673
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,576/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,703
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,223
−HK$528/mo
Today · 4.125%
HK$17,751
baseline
▲ 0.50% · 4.625%
HK$18,831
+HK$1,080/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,502/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,582
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,081
−HK$505/mo
Today · 4.125%
HK$19,586
baseline
▲ 0.50% · 4.625%
HK$20,619
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,172/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,476
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,144
−HK$679/mo
Today · 4.125%
HK$22,823
baseline
▲ 0.50% · 4.625%
HK$24,211
+HK$1,388/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,646/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,892
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,532
−HK$650/mo
Today · 4.125%
HK$25,182
baseline
▲ 0.50% · 4.625%
HK$26,510
+HK$1,328/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,364/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,728 · 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).