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$11,831
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,199
−HK$374/mo
Today · 4.125%
HK$12,573
baseline
▲ 0.50% · 4.625%
HK$13,338
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,146/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,162
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,515
−HK$358/mo
Today · 4.125%
HK$13,873
baseline
▲ 0.50% · 4.625%
HK$14,604
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,746/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,197
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,639
−HK$448/mo
Today · 4.125%
HK$15,087
baseline
▲ 0.50% · 4.625%
HK$16,005
+HK$918/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,174/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,794
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,218
−HK$430/mo
Today · 4.125%
HK$16,648
baseline
▲ 0.50% · 4.625%
HK$17,525
+HK$877/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,296/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,563
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,079
−HK$523/mo
Today · 4.125%
HK$17,602
baseline
▲ 0.50% · 4.625%
HK$18,673
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,204/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,427
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,921
−HK$501/mo
Today · 4.125%
HK$19,422
baseline
▲ 0.50% · 4.625%
HK$20,446
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,844/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,296
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,958
−HK$673/mo
Today · 4.125%
HK$22,631
baseline
▲ 0.50% · 4.625%
HK$24,008
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,262/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,691
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,327
−HK$644/mo
Today · 4.125%
HK$24,971
baseline
▲ 0.50% · 4.625%
HK$26,288
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,942/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,740 · 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).