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$11,585
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,946
−HK$366/mo
Today · 4.125%
HK$12,312
baseline
▲ 0.50% · 4.625%
HK$13,061
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,624/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,888
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,234
−HK$351/mo
Today · 4.125%
HK$13,585
baseline
▲ 0.50% · 4.625%
HK$14,301
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,170/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,902
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,335
−HK$439/mo
Today · 4.125%
HK$14,774
baseline
▲ 0.50% · 4.625%
HK$15,673
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,548/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,466
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,881
−HK$421/mo
Today · 4.125%
HK$16,302
baseline
▲ 0.50% · 4.625%
HK$17,161
+HK$859/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,604/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,219
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,724
−HK$512/mo
Today · 4.125%
HK$17,236
baseline
▲ 0.50% · 4.625%
HK$18,285
+HK$1,049/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,472/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,044
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,528
−HK$491/mo
Today · 4.125%
HK$19,019
baseline
▲ 0.50% · 4.625%
HK$20,021
+HK$1,002/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,038/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,853
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,502
−HK$659/mo
Today · 4.125%
HK$22,161
baseline
▲ 0.50% · 4.625%
HK$23,510
+HK$1,349/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,322/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,199
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,821
−HK$632/mo
Today · 4.125%
HK$24,453
baseline
▲ 0.50% · 4.625%
HK$25,742
+HK$1,289/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,906/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,316 · 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).