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$11,529
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,887
−HK$365/mo
Today · 4.125%
HK$12,252
baseline
▲ 0.50% · 4.625%
HK$12,997
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,504/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,826
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,170
−HK$349/mo
Today · 4.125%
HK$13,519
baseline
▲ 0.50% · 4.625%
HK$14,231
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,038/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,835
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,265
−HK$437/mo
Today · 4.125%
HK$14,702
baseline
▲ 0.50% · 4.625%
HK$15,597
+HK$895/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,404/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,391
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,804
−HK$418/mo
Today · 4.125%
HK$16,222
baseline
▲ 0.50% · 4.625%
HK$17,077
+HK$855/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,444/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,140
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,642
−HK$510/mo
Today · 4.125%
HK$17,152
baseline
▲ 0.50% · 4.625%
HK$18,196
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,304/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,956
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,437
−HK$489/mo
Today · 4.125%
HK$18,926
baseline
▲ 0.50% · 4.625%
HK$19,924
+HK$998/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,852/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,752
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,397
−HK$656/mo
Today · 4.125%
HK$22,053
baseline
▲ 0.50% · 4.625%
HK$23,395
+HK$1,342/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,106/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,086
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,705
−HK$628/mo
Today · 4.125%
HK$24,333
baseline
▲ 0.50% · 4.625%
HK$25,616
+HK$1,283/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,666/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,758 · 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).