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$11,965
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,338
−HK$378/mo
Today · 4.125%
HK$12,716
baseline
▲ 0.50% · 4.625%
HK$13,489
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,432/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,311
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,668
−HK$363/mo
Today · 4.125%
HK$14,031
baseline
▲ 0.50% · 4.625%
HK$14,770
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,062/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,359
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,805
−HK$454/mo
Today · 4.125%
HK$15,259
baseline
▲ 0.50% · 4.625%
HK$16,187
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,518/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,974
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,402
−HK$435/mo
Today · 4.125%
HK$16,837
baseline
▲ 0.50% · 4.625%
HK$17,724
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,674/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,752
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,273
−HK$529/mo
Today · 4.125%
HK$17,802
baseline
▲ 0.50% · 4.625%
HK$18,885
+HK$1,083/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,604/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,636
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,136
−HK$507/mo
Today · 4.125%
HK$19,643
baseline
▲ 0.50% · 4.625%
HK$20,678
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,286/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,538
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,208
−HK$680/mo
Today · 4.125%
HK$22,888
baseline
▲ 0.50% · 4.625%
HK$24,281
+HK$1,393/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,776/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,961
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$652/mo
Today · 4.125%
HK$25,255
baseline
▲ 0.50% · 4.625%
HK$26,586
+HK$1,331/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,510/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,067 · 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).