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$11,497
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,855
−HK$363/mo
Today · 4.125%
HK$12,218
baseline
▲ 0.50% · 4.625%
HK$12,962
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,436/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,790
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,133
−HK$348/mo
Today · 4.125%
HK$13,481
baseline
▲ 0.50% · 4.625%
HK$14,192
+HK$711/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$26,962/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,797
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,226
−HK$436/mo
Today · 4.125%
HK$14,662
baseline
▲ 0.50% · 4.625%
HK$15,554
+HK$892/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,324/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,349
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,760
−HK$418/mo
Today · 4.125%
HK$16,178
baseline
▲ 0.50% · 4.625%
HK$17,031
+HK$853/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,356/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,096
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,597
−HK$508/mo
Today · 4.125%
HK$17,105
baseline
▲ 0.50% · 4.625%
HK$18,146
+HK$1,041/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,210/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,907
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,387
−HK$487/mo
Today · 4.125%
HK$18,874
baseline
▲ 0.50% · 4.625%
HK$19,869
+HK$995/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,748/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,695
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,339
−HK$654/mo
Today · 4.125%
HK$21,993
baseline
▲ 0.50% · 4.625%
HK$23,331
+HK$1,338/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$43,986/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,023
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,640
−HK$627/mo
Today · 4.125%
HK$24,267
baseline
▲ 0.50% · 4.625%
HK$25,546
+HK$1,279/mo
Deposit HK$504K · loan HK$4.54M · min. income ≈ HK$48,534/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$113,446 · 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).