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$12,061
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,436
−HK$381/mo
Today · 4.125%
HK$12,817
baseline
▲ 0.50% · 4.625%
HK$13,597
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,634/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,418
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,778
−HK$365/mo
Today · 4.125%
HK$14,143
baseline
▲ 0.50% · 4.625%
HK$14,888
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,286/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,473
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,923
−HK$458/mo
Today · 4.125%
HK$15,381
baseline
▲ 0.50% · 4.625%
HK$16,317
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,762/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,101
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,533
−HK$438/mo
Today · 4.125%
HK$16,971
baseline
▲ 0.50% · 4.625%
HK$17,866
+HK$895/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,942/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,885
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,411
−HK$533/mo
Today · 4.125%
HK$17,944
baseline
▲ 0.50% · 4.625%
HK$19,036
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,888/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,785
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,289
−HK$511/mo
Today · 4.125%
HK$19,800
baseline
▲ 0.50% · 4.625%
HK$20,843
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,600/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,710
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,385
−HK$686/mo
Today · 4.125%
HK$23,071
baseline
▲ 0.50% · 4.625%
HK$24,475
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,142/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,152
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,800
−HK$657/mo
Today · 4.125%
HK$25,457
baseline
▲ 0.50% · 4.625%
HK$26,799
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,914/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,011 · 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).