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$11,632
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,993
−HK$368/mo
Today · 4.125%
HK$12,361
baseline
▲ 0.50% · 4.625%
HK$13,113
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,722/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,940
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,287
−HK$352/mo
Today · 4.125%
HK$13,639
baseline
▲ 0.50% · 4.625%
HK$14,358
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,278/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,958
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,392
−HK$441/mo
Today · 4.125%
HK$14,833
baseline
▲ 0.50% · 4.625%
HK$15,736
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,666/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,528
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,944
−HK$423/mo
Today · 4.125%
HK$16,367
baseline
▲ 0.50% · 4.625%
HK$17,230
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,734/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,284
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,791
−HK$514/mo
Today · 4.125%
HK$17,305
baseline
▲ 0.50% · 4.625%
HK$18,358
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,610/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,116
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,602
−HK$493/mo
Today · 4.125%
HK$19,095
baseline
▲ 0.50% · 4.625%
HK$20,101
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,190/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,937
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,588
−HK$662/mo
Today · 4.125%
HK$22,250
baseline
▲ 0.50% · 4.625%
HK$23,604
+HK$1,354/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,500/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,292
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,917
−HK$633/mo
Today · 4.125%
HK$24,550
baseline
▲ 0.50% · 4.625%
HK$25,845
+HK$1,295/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,100/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,773 · 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).