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$11,827
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,195
−HK$374/mo
Today · 4.125%
HK$12,569
baseline
▲ 0.50% · 4.625%
HK$13,334
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,138/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,158
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,510
−HK$358/mo
Today · 4.125%
HK$13,868
baseline
▲ 0.50% · 4.625%
HK$14,600
+HK$732/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,736/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,193
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,634
−HK$449/mo
Today · 4.125%
HK$15,083
baseline
▲ 0.50% · 4.625%
HK$16,000
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,166/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,789
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,213
−HK$429/mo
Today · 4.125%
HK$16,642
baseline
▲ 0.50% · 4.625%
HK$17,519
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,284/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,558
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,073
−HK$523/mo
Today · 4.125%
HK$17,596
baseline
▲ 0.50% · 4.625%
HK$18,667
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,192/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,421
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,915
−HK$501/mo
Today · 4.125%
HK$19,416
baseline
▲ 0.50% · 4.625%
HK$20,439
+HK$1,023/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,832/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,289
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,951
−HK$673/mo
Today · 4.125%
HK$22,624
baseline
▲ 0.50% · 4.625%
HK$24,001
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,248/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,684
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,319
−HK$644/mo
Today · 4.125%
HK$24,963
baseline
▲ 0.50% · 4.625%
HK$26,279
+HK$1,316/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,926/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,703 · 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).