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$11,763
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,128
−HK$372/mo
Today · 4.125%
HK$12,500
baseline
▲ 0.50% · 4.625%
HK$13,261
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,000/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,086
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,437
−HK$356/mo
Today · 4.125%
HK$13,793
baseline
▲ 0.50% · 4.625%
HK$14,520
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,586/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,115
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,554
−HK$446/mo
Today · 4.125%
HK$15,000
baseline
▲ 0.50% · 4.625%
HK$15,913
+HK$913/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$30,000/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,703
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,124
−HK$427/mo
Today · 4.125%
HK$16,551
baseline
▲ 0.50% · 4.625%
HK$17,424
+HK$873/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$33,102/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,468
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,980
−HK$520/mo
Today · 4.125%
HK$17,500
baseline
▲ 0.50% · 4.625%
HK$18,565
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,000/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,320
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,811
−HK$499/mo
Today · 4.125%
HK$19,310
baseline
▲ 0.50% · 4.625%
HK$20,328
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,620/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,173
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,831
−HK$669/mo
Today · 4.125%
HK$22,500
baseline
▲ 0.50% · 4.625%
HK$23,869
+HK$1,369/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$45,000/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,554
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,186
−HK$641/mo
Today · 4.125%
HK$24,827
baseline
▲ 0.50% · 4.625%
HK$26,136
+HK$1,309/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,654/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,065 · 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).