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$11,867
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,236
−HK$375/mo
Today · 4.125%
HK$12,611
baseline
▲ 0.50% · 4.625%
HK$13,378
+HK$767/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,222/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,201
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,555
−HK$360/mo
Today · 4.125%
HK$13,915
baseline
▲ 0.50% · 4.625%
HK$14,648
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,830/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,240
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,683
−HK$450/mo
Today · 4.125%
HK$15,133
baseline
▲ 0.50% · 4.625%
HK$16,054
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,266/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,842
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,267
−HK$431/mo
Today · 4.125%
HK$16,698
baseline
▲ 0.50% · 4.625%
HK$17,578
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,396/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,613
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,130
−HK$525/mo
Today · 4.125%
HK$17,655
baseline
▲ 0.50% · 4.625%
HK$18,729
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,310/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,482
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,978
−HK$502/mo
Today · 4.125%
HK$19,480
baseline
▲ 0.50% · 4.625%
HK$20,507
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,960/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,360
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,024
−HK$675/mo
Today · 4.125%
HK$22,699
baseline
▲ 0.50% · 4.625%
HK$24,080
+HK$1,381/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,398/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,763
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,400
−HK$646/mo
Today · 4.125%
HK$25,046
baseline
▲ 0.50% · 4.625%
HK$26,367
+HK$1,321/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,092/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,091 · 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).