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$11,852
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,220
−HK$375/mo
Today · 4.125%
HK$12,595
baseline
▲ 0.50% · 4.625%
HK$13,361
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,190/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,185
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,539
−HK$358/mo
Today · 4.125%
HK$13,897
baseline
▲ 0.50% · 4.625%
HK$14,630
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,794/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,222
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,665
−HK$449/mo
Today · 4.125%
HK$15,114
baseline
▲ 0.50% · 4.625%
HK$16,034
+HK$920/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,228/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,822
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,246
−HK$431/mo
Today · 4.125%
HK$16,677
baseline
▲ 0.50% · 4.625%
HK$17,556
+HK$879/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,354/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,592
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,109
−HK$524/mo
Today · 4.125%
HK$17,633
baseline
▲ 0.50% · 4.625%
HK$18,706
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,266/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,459
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,954
−HK$502/mo
Today · 4.125%
HK$19,456
baseline
▲ 0.50% · 4.625%
HK$20,482
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,912/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,333
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,997
−HK$674/mo
Today · 4.125%
HK$22,671
baseline
▲ 0.50% · 4.625%
HK$24,050
+HK$1,379/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,342/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,733
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,369
−HK$646/mo
Today · 4.125%
HK$25,015
baseline
▲ 0.50% · 4.625%
HK$26,334
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,030/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,946 · 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).