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$11,886
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,255
−HK$376/mo
Today · 4.125%
HK$12,631
baseline
▲ 0.50% · 4.625%
HK$13,399
+HK$768/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,262/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,223
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,577
−HK$360/mo
Today · 4.125%
HK$13,937
baseline
▲ 0.50% · 4.625%
HK$14,672
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,874/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,263
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,706
−HK$451/mo
Today · 4.125%
HK$15,157
baseline
▲ 0.50% · 4.625%
HK$16,079
+HK$922/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,314/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,867
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,293
−HK$431/mo
Today · 4.125%
HK$16,724
baseline
▲ 0.50% · 4.625%
HK$17,606
+HK$882/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,448/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,640
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,157
−HK$526/mo
Today · 4.125%
HK$17,683
baseline
▲ 0.50% · 4.625%
HK$18,759
+HK$1,076/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,366/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,512
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,008
−HK$504/mo
Today · 4.125%
HK$19,512
baseline
▲ 0.50% · 4.625%
HK$20,540
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,024/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,394
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,060
−HK$676/mo
Today · 4.125%
HK$22,736
baseline
▲ 0.50% · 4.625%
HK$24,119
+HK$1,383/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,472/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,801
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,439
−HK$648/mo
Today · 4.125%
HK$25,087
baseline
▲ 0.50% · 4.625%
HK$26,409
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,174/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,279 · 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).