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$11,741
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,106
−HK$372/mo
Today · 4.125%
HK$12,478
baseline
▲ 0.50% · 4.625%
HK$13,237
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,956/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,062
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,412
−HK$356/mo
Today · 4.125%
HK$13,768
baseline
▲ 0.50% · 4.625%
HK$14,493
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,536/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,090
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,528
−HK$445/mo
Today · 4.125%
HK$14,973
baseline
▲ 0.50% · 4.625%
HK$15,884
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,946/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,674
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,095
−HK$426/mo
Today · 4.125%
HK$16,521
baseline
▲ 0.50% · 4.625%
HK$17,392
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,042/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,438
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,949
−HK$520/mo
Today · 4.125%
HK$17,469
baseline
▲ 0.50% · 4.625%
HK$18,531
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,938/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,287
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,777
−HK$498/mo
Today · 4.125%
HK$19,275
baseline
▲ 0.50% · 4.625%
HK$20,291
+HK$1,016/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,550/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,134
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,792
−HK$668/mo
Today · 4.125%
HK$22,460
baseline
▲ 0.50% · 4.625%
HK$23,826
+HK$1,366/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,920/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,512
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,142
−HK$640/mo
Today · 4.125%
HK$24,782
baseline
▲ 0.50% · 4.625%
HK$26,088
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,564/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,855 · 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).