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$11,704
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,068
−HK$370/mo
Today · 4.125%
HK$12,438
baseline
▲ 0.50% · 4.625%
HK$13,195
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,876/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,021
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,370
−HK$354/mo
Today · 4.125%
HK$13,724
baseline
▲ 0.50% · 4.625%
HK$14,447
+HK$723/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,448/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,045
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,482
−HK$444/mo
Today · 4.125%
HK$14,926
baseline
▲ 0.50% · 4.625%
HK$15,834
+HK$908/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,852/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,625
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,044
−HK$425/mo
Today · 4.125%
HK$16,469
baseline
▲ 0.50% · 4.625%
HK$17,337
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,938/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,386
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,895
−HK$518/mo
Today · 4.125%
HK$17,413
baseline
▲ 0.50% · 4.625%
HK$18,473
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,826/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,229
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,718
−HK$496/mo
Today · 4.125%
HK$19,214
baseline
▲ 0.50% · 4.625%
HK$20,226
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,428/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,067
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,722
−HK$666/mo
Today · 4.125%
HK$22,388
baseline
▲ 0.50% · 4.625%
HK$23,751
+HK$1,363/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,776/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,437
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,066
−HK$637/mo
Today · 4.125%
HK$24,703
baseline
▲ 0.50% · 4.625%
HK$26,005
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,406/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,487 · 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).