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$11,906
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,277
−HK$376/mo
Today · 4.125%
HK$12,653
baseline
▲ 0.50% · 4.625%
HK$13,423
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,306/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,246
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,601
−HK$360/mo
Today · 4.125%
HK$13,961
baseline
▲ 0.50% · 4.625%
HK$14,697
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,922/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,287
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,732
−HK$451/mo
Today · 4.125%
HK$15,183
baseline
▲ 0.50% · 4.625%
HK$16,107
+HK$924/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,366/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,895
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,321
−HK$432/mo
Today · 4.125%
HK$16,753
baseline
▲ 0.50% · 4.625%
HK$17,636
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,506/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,669
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,187
−HK$527/mo
Today · 4.125%
HK$17,714
baseline
▲ 0.50% · 4.625%
HK$18,792
+HK$1,078/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,428/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,544
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,041
−HK$505/mo
Today · 4.125%
HK$19,546
baseline
▲ 0.50% · 4.625%
HK$20,576
+HK$1,030/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$39,092/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,431
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,098
−HK$677/mo
Today · 4.125%
HK$22,775
baseline
▲ 0.50% · 4.625%
HK$24,161
+HK$1,386/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,550/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,842
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,481
−HK$649/mo
Today · 4.125%
HK$25,130
baseline
▲ 0.50% · 4.625%
HK$26,455
+HK$1,325/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,260/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,483 · 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).