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$11,659
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,022
−HK$369/mo
Today · 4.125%
HK$12,391
baseline
▲ 0.50% · 4.625%
HK$13,144
+HK$753/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,782/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,971
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,319
−HK$353/mo
Today · 4.125%
HK$13,672
baseline
▲ 0.50% · 4.625%
HK$14,392
+HK$720/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,344/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,991
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,426
−HK$443/mo
Today · 4.125%
HK$14,869
baseline
▲ 0.50% · 4.625%
HK$15,773
+HK$904/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,738/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,565
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,983
−HK$423/mo
Today · 4.125%
HK$16,406
baseline
▲ 0.50% · 4.625%
HK$17,271
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,812/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,323
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,831
−HK$516/mo
Today · 4.125%
HK$17,347
baseline
▲ 0.50% · 4.625%
HK$18,402
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,694/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,159
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,646
−HK$494/mo
Today · 4.125%
HK$19,140
baseline
▲ 0.50% · 4.625%
HK$20,149
+HK$1,009/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,280/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,987
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,640
−HK$663/mo
Today · 4.125%
HK$22,303
baseline
▲ 0.50% · 4.625%
HK$23,660
+HK$1,357/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,606/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,348
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,974
−HK$635/mo
Today · 4.125%
HK$24,609
baseline
▲ 0.50% · 4.625%
HK$25,906
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,218/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,047 · 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).