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$11,724
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,089
−HK$371/mo
Today · 4.125%
HK$12,460
baseline
▲ 0.50% · 4.625%
HK$13,218
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,920/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,043
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,393
−HK$355/mo
Today · 4.125%
HK$13,748
baseline
▲ 0.50% · 4.625%
HK$14,473
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,496/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,069
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,507
−HK$445/mo
Today · 4.125%
HK$14,952
baseline
▲ 0.50% · 4.625%
HK$15,861
+HK$909/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,904/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,652
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,072
−HK$426/mo
Today · 4.125%
HK$16,498
baseline
▲ 0.50% · 4.625%
HK$17,367
+HK$869/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$32,996/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,414
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,925
−HK$519/mo
Today · 4.125%
HK$17,444
baseline
▲ 0.50% · 4.625%
HK$18,505
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,888/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,261
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,750
−HK$497/mo
Today · 4.125%
HK$19,247
baseline
▲ 0.50% · 4.625%
HK$20,262
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,494/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,104
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,760
−HK$667/mo
Today · 4.125%
HK$22,427
baseline
▲ 0.50% · 4.625%
HK$23,792
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,854/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,478
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,108
−HK$638/mo
Today · 4.125%
HK$24,746
baseline
▲ 0.50% · 4.625%
HK$26,051
+HK$1,305/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,492/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,689 · 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).