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$11,487
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,845
−HK$363/mo
Today · 4.125%
HK$12,208
baseline
▲ 0.50% · 4.625%
HK$12,950
+HK$742/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,416/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,780
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,122
−HK$348/mo
Today · 4.125%
HK$13,470
baseline
▲ 0.50% · 4.625%
HK$14,180
+HK$710/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,940/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,785
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,214
−HK$435/mo
Today · 4.125%
HK$14,649
baseline
▲ 0.50% · 4.625%
HK$15,541
+HK$892/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$29,298/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,335
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,747
−HK$417/mo
Today · 4.125%
HK$16,164
baseline
▲ 0.50% · 4.625%
HK$17,016
+HK$852/mo
Deposit HK$2.02M · loan HK$3.02M · min. income ≈ HK$32,328/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,082
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,582
−HK$509/mo
Today · 4.125%
HK$17,091
baseline
▲ 0.50% · 4.625%
HK$18,131
+HK$1,040/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,182/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,891
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,371
−HK$487/mo
Today · 4.125%
HK$18,858
baseline
▲ 0.50% · 4.625%
HK$19,852
+HK$994/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,716/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,677
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,320
−HK$654/mo
Today · 4.125%
HK$21,974
baseline
▲ 0.50% · 4.625%
HK$23,311
+HK$1,337/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$43,948/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,003
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,620
−HK$626/mo
Today · 4.125%
HK$24,246
baseline
▲ 0.50% · 4.625%
HK$25,524
+HK$1,278/mo
Deposit HK$504K · loan HK$4.53M · min. income ≈ HK$48,492/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$113,349 · 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).