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$11,767
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,133
−HK$371/mo
Today · 4.125%
HK$12,504
baseline
▲ 0.50% · 4.625%
HK$13,265
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,008/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,090
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,441
−HK$356/mo
Today · 4.125%
HK$13,797
baseline
▲ 0.50% · 4.625%
HK$14,525
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,594/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,120
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,559
−HK$446/mo
Today · 4.125%
HK$15,005
baseline
▲ 0.50% · 4.625%
HK$15,918
+HK$913/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$30,010/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,708
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,129
−HK$428/mo
Today · 4.125%
HK$16,557
baseline
▲ 0.50% · 4.625%
HK$17,430
+HK$873/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$33,114/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,473
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,986
−HK$520/mo
Today · 4.125%
HK$17,506
baseline
▲ 0.50% · 4.625%
HK$18,571
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,012/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,326
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,818
−HK$498/mo
Today · 4.125%
HK$19,316
baseline
▲ 0.50% · 4.625%
HK$20,335
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,632/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,180
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,839
−HK$669/mo
Today · 4.125%
HK$22,508
baseline
▲ 0.50% · 4.625%
HK$23,878
+HK$1,370/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$45,016/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,562
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,194
−HK$641/mo
Today · 4.125%
HK$24,835
baseline
▲ 0.50% · 4.625%
HK$26,144
+HK$1,309/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,670/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,105 · 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).