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$11,939
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,311
−HK$377/mo
Today · 4.125%
HK$12,688
baseline
▲ 0.50% · 4.625%
HK$13,460
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,376/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,282
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,639
−HK$361/mo
Today · 4.125%
HK$14,000
baseline
▲ 0.50% · 4.625%
HK$14,738
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,000/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,327
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,773
−HK$453/mo
Today · 4.125%
HK$15,226
baseline
▲ 0.50% · 4.625%
HK$16,152
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,452/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,939
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,366
−HK$434/mo
Today · 4.125%
HK$16,800
baseline
▲ 0.50% · 4.625%
HK$17,686
+HK$886/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,600/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,715
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,235
−HK$528/mo
Today · 4.125%
HK$17,763
baseline
▲ 0.50% · 4.625%
HK$18,844
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,526/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,595
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,094
−HK$506/mo
Today · 4.125%
HK$19,600
baseline
▲ 0.50% · 4.625%
HK$20,633
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,200/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,491
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,159
−HK$680/mo
Today · 4.125%
HK$22,839
baseline
▲ 0.50% · 4.625%
HK$24,228
+HK$1,389/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,678/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,908
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,550
−HK$650/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,528
+HK$1,328/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,810 · 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).