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$11,727
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,092
−HK$371/mo
Today · 4.125%
HK$12,463
baseline
▲ 0.50% · 4.625%
HK$13,221
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,926/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,047
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$355/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,476
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,502/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,073
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,511
−HK$444/mo
Today · 4.125%
HK$14,955
baseline
▲ 0.50% · 4.625%
HK$15,865
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,910/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,656
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,076
−HK$426/mo
Today · 4.125%
HK$16,502
baseline
▲ 0.50% · 4.625%
HK$17,372
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,004/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,418
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,929
−HK$519/mo
Today · 4.125%
HK$17,448
baseline
▲ 0.50% · 4.625%
HK$18,510
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,896/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,265
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,755
−HK$497/mo
Today · 4.125%
HK$19,252
baseline
▲ 0.50% · 4.625%
HK$20,267
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,504/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,109
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,766
−HK$667/mo
Today · 4.125%
HK$22,433
baseline
▲ 0.50% · 4.625%
HK$23,798
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,866/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,484
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,114
−HK$639/mo
Today · 4.125%
HK$24,753
baseline
▲ 0.50% · 4.625%
HK$26,057
+HK$1,304/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,506/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,718 · 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).