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$11,646
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,008
−HK$368/mo
Today · 4.125%
HK$12,376
baseline
▲ 0.50% · 4.625%
HK$13,129
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,752/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,956
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,303
−HK$353/mo
Today · 4.125%
HK$13,656
baseline
▲ 0.50% · 4.625%
HK$14,376
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,312/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,975
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,410
−HK$441/mo
Today · 4.125%
HK$14,851
baseline
▲ 0.50% · 4.625%
HK$15,755
+HK$904/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,702/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,547
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,964
−HK$423/mo
Today · 4.125%
HK$16,387
baseline
▲ 0.50% · 4.625%
HK$17,251
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,774/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,304
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,811
−HK$515/mo
Today · 4.125%
HK$17,326
baseline
▲ 0.50% · 4.625%
HK$18,381
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,652/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,138
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,625
−HK$493/mo
Today · 4.125%
HK$19,118
baseline
▲ 0.50% · 4.625%
HK$20,126
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,236/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,962
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,614
−HK$663/mo
Today · 4.125%
HK$22,277
baseline
▲ 0.50% · 4.625%
HK$23,632
+HK$1,355/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,554/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,320
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,946
−HK$634/mo
Today · 4.125%
HK$24,580
baseline
▲ 0.50% · 4.625%
HK$25,876
+HK$1,296/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,160/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,913 · 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).