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$11,592
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,953
−HK$366/mo
Today · 4.125%
HK$12,319
baseline
▲ 0.50% · 4.625%
HK$13,068
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,638/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,896
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,242
−HK$351/mo
Today · 4.125%
HK$13,593
baseline
▲ 0.50% · 4.625%
HK$14,309
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,186/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,910
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,343
−HK$440/mo
Today · 4.125%
HK$14,783
baseline
▲ 0.50% · 4.625%
HK$15,682
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,566/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,475
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$421/mo
Today · 4.125%
HK$16,311
baseline
▲ 0.50% · 4.625%
HK$17,171
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,622/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,229
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,734
−HK$512/mo
Today · 4.125%
HK$17,246
baseline
▲ 0.50% · 4.625%
HK$18,296
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,492/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,054
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,539
−HK$491/mo
Today · 4.125%
HK$19,030
baseline
▲ 0.50% · 4.625%
HK$20,033
+HK$1,003/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,060/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,866
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,515
−HK$659/mo
Today · 4.125%
HK$22,174
baseline
▲ 0.50% · 4.625%
HK$23,523
+HK$1,349/mo
Deposit HK$508K · loan HK$4.58M · min. income ≈ HK$44,348/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,213
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,835
−HK$632/mo
Today · 4.125%
HK$24,467
baseline
▲ 0.50% · 4.625%
HK$25,757
+HK$1,290/mo
Deposit HK$508K · loan HK$4.58M · min. income ≈ HK$48,934/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,382 · 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).