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$11,534
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,893
−HK$364/mo
Today · 4.125%
HK$12,257
baseline
▲ 0.50% · 4.625%
HK$13,003
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,514/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,832
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,176
−HK$349/mo
Today · 4.125%
HK$13,525
baseline
▲ 0.50% · 4.625%
HK$14,238
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,050/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,841
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,271
−HK$438/mo
Today · 4.125%
HK$14,709
baseline
▲ 0.50% · 4.625%
HK$15,604
+HK$895/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,418/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,398
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,811
−HK$419/mo
Today · 4.125%
HK$16,230
baseline
▲ 0.50% · 4.625%
HK$17,085
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,460/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,148
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,650
−HK$510/mo
Today · 4.125%
HK$17,160
baseline
▲ 0.50% · 4.625%
HK$18,204
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,320/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,964
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,446
−HK$489/mo
Today · 4.125%
HK$18,935
baseline
▲ 0.50% · 4.625%
HK$19,933
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,870/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,761
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,407
−HK$656/mo
Today · 4.125%
HK$22,063
baseline
▲ 0.50% · 4.625%
HK$23,406
+HK$1,343/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,126/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,097
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,716
−HK$629/mo
Today · 4.125%
HK$24,345
baseline
▲ 0.50% · 4.625%
HK$25,628
+HK$1,283/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,690/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,811 · 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).