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$11,876
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,246
−HK$375/mo
Today · 4.125%
HK$12,621
baseline
▲ 0.50% · 4.625%
HK$13,389
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,242/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,212
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,566
−HK$360/mo
Today · 4.125%
HK$13,926
baseline
▲ 0.50% · 4.625%
HK$14,660
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,852/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,251
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,695
−HK$450/mo
Today · 4.125%
HK$15,145
baseline
▲ 0.50% · 4.625%
HK$16,067
+HK$922/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,290/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,855
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,280
−HK$431/mo
Today · 4.125%
HK$16,711
baseline
▲ 0.50% · 4.625%
HK$17,592
+HK$881/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,422/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,627
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,144
−HK$525/mo
Today · 4.125%
HK$17,669
baseline
▲ 0.50% · 4.625%
HK$18,744
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,338/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,497
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,993
−HK$503/mo
Today · 4.125%
HK$19,496
baseline
▲ 0.50% · 4.625%
HK$20,524
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$38,992/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,377
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,042
−HK$676/mo
Today · 4.125%
HK$22,718
baseline
▲ 0.50% · 4.625%
HK$24,100
+HK$1,382/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,436/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,782
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,420
−HK$647/mo
Today · 4.125%
HK$25,067
baseline
▲ 0.50% · 4.625%
HK$26,388
+HK$1,321/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,134/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,186 · 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).