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$11,625
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,986
−HK$368/mo
Today · 4.125%
HK$12,354
baseline
▲ 0.50% · 4.625%
HK$13,106
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,708/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,933
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,279
−HK$352/mo
Today · 4.125%
HK$13,631
baseline
▲ 0.50% · 4.625%
HK$14,350
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,262/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,950
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,384
−HK$441/mo
Today · 4.125%
HK$14,825
baseline
▲ 0.50% · 4.625%
HK$15,727
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,650/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,519
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,935
−HK$422/mo
Today · 4.125%
HK$16,357
baseline
▲ 0.50% · 4.625%
HK$17,220
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,714/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,275
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,781
−HK$514/mo
Today · 4.125%
HK$17,295
baseline
▲ 0.50% · 4.625%
HK$18,348
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,590/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,106
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,591
−HK$493/mo
Today · 4.125%
HK$19,084
baseline
▲ 0.50% · 4.625%
HK$20,090
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,168/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,925
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$661/mo
Today · 4.125%
HK$22,237
baseline
▲ 0.50% · 4.625%
HK$23,590
+HK$1,353/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,474/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,279
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,903
−HK$633/mo
Today · 4.125%
HK$24,536
baseline
▲ 0.50% · 4.625%
HK$25,830
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,072/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,706 · 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).