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$12,016
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,390
−HK$379/mo
Today · 4.125%
HK$12,769
baseline
▲ 0.50% · 4.625%
HK$13,546
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,538/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,368
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,726
−HK$364/mo
Today · 4.125%
HK$14,090
baseline
▲ 0.50% · 4.625%
HK$14,833
+HK$743/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,180/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,419
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,868
−HK$455/mo
Today · 4.125%
HK$15,323
baseline
▲ 0.50% · 4.625%
HK$16,256
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,646/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,041
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,471
−HK$437/mo
Today · 4.125%
HK$16,908
baseline
▲ 0.50% · 4.625%
HK$17,799
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,816/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,822
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,346
−HK$531/mo
Today · 4.125%
HK$17,877
baseline
▲ 0.50% · 4.625%
HK$18,965
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,754/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,715
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,217
−HK$509/mo
Today · 4.125%
HK$19,726
baseline
▲ 0.50% · 4.625%
HK$20,766
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,452/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,629
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,301
−HK$684/mo
Today · 4.125%
HK$22,985
baseline
▲ 0.50% · 4.625%
HK$24,384
+HK$1,399/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,970/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,062
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,707
−HK$655/mo
Today · 4.125%
HK$25,362
baseline
▲ 0.50% · 4.625%
HK$26,699
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,724/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,566 · 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).