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$11,829
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,197
−HK$374/mo
Today · 4.125%
HK$12,571
baseline
▲ 0.50% · 4.625%
HK$13,336
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,142/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,160
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,513
−HK$358/mo
Today · 4.125%
HK$13,871
baseline
▲ 0.50% · 4.625%
HK$14,602
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,742/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,195
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,636
−HK$449/mo
Today · 4.125%
HK$15,085
baseline
▲ 0.50% · 4.625%
HK$16,003
+HK$918/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,170/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,792
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,215
−HK$430/mo
Today · 4.125%
HK$16,645
baseline
▲ 0.50% · 4.625%
HK$17,522
+HK$877/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,290/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,561
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,076
−HK$523/mo
Today · 4.125%
HK$17,599
baseline
▲ 0.50% · 4.625%
HK$18,670
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,198/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,424
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,918
−HK$501/mo
Today · 4.125%
HK$19,419
baseline
▲ 0.50% · 4.625%
HK$20,442
+HK$1,023/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,838/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,292
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,955
−HK$672/mo
Today · 4.125%
HK$22,627
baseline
▲ 0.50% · 4.625%
HK$24,004
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,254/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,687
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,323
−HK$644/mo
Today · 4.125%
HK$24,967
baseline
▲ 0.50% · 4.625%
HK$26,283
+HK$1,316/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,934/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,721 · 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).