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$11,944
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,316
−HK$377/mo
Today · 4.125%
HK$12,693
baseline
▲ 0.50% · 4.625%
HK$13,466
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,386/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,288
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,644
−HK$362/mo
Today · 4.125%
HK$14,006
baseline
▲ 0.50% · 4.625%
HK$14,744
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,012/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,333
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,779
−HK$453/mo
Today · 4.125%
HK$15,232
baseline
▲ 0.50% · 4.625%
HK$16,159
+HK$927/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,464/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,946
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,373
−HK$434/mo
Today · 4.125%
HK$16,807
baseline
▲ 0.50% · 4.625%
HK$17,693
+HK$886/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,614/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,722
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,242
−HK$529/mo
Today · 4.125%
HK$17,771
baseline
▲ 0.50% · 4.625%
HK$18,852
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,542/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,603
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,102
−HK$506/mo
Today · 4.125%
HK$19,608
baseline
▲ 0.50% · 4.625%
HK$20,642
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,216/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,500
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,169
−HK$679/mo
Today · 4.125%
HK$22,848
baseline
▲ 0.50% · 4.625%
HK$24,238
+HK$1,390/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,696/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,918
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,560
−HK$651/mo
Today · 4.125%
HK$25,211
baseline
▲ 0.50% · 4.625%
HK$26,540
+HK$1,329/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,422/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,859 · 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).