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$11,602
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,963
−HK$367/mo
Today · 4.125%
HK$12,330
baseline
▲ 0.50% · 4.625%
HK$13,080
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,660/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,907
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,254
−HK$351/mo
Today · 4.125%
HK$13,605
baseline
▲ 0.50% · 4.625%
HK$14,322
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,210/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,923
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,356
−HK$440/mo
Today · 4.125%
HK$14,796
baseline
▲ 0.50% · 4.625%
HK$15,696
+HK$900/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,592/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,489
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,904
−HK$422/mo
Today · 4.125%
HK$16,326
baseline
▲ 0.50% · 4.625%
HK$17,186
+HK$860/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,652/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,243
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,749
−HK$513/mo
Today · 4.125%
HK$17,262
baseline
▲ 0.50% · 4.625%
HK$18,312
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,524/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,070
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,555
−HK$492/mo
Today · 4.125%
HK$19,047
baseline
▲ 0.50% · 4.625%
HK$20,051
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,094/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,884
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,534
−HK$660/mo
Today · 4.125%
HK$22,194
baseline
▲ 0.50% · 4.625%
HK$23,544
+HK$1,350/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,388/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,233
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,857
−HK$632/mo
Today · 4.125%
HK$24,489
baseline
▲ 0.50% · 4.625%
HK$25,780
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,978/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,484 · 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).