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$11,655
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,017
−HK$369/mo
Today · 4.125%
HK$12,386
baseline
▲ 0.50% · 4.625%
HK$13,139
+HK$753/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,772/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,966
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,314
−HK$352/mo
Today · 4.125%
HK$13,666
baseline
▲ 0.50% · 4.625%
HK$14,387
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,332/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,986
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,421
−HK$442/mo
Today · 4.125%
HK$14,863
baseline
▲ 0.50% · 4.625%
HK$15,767
+HK$904/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,726/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,559
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,976
−HK$424/mo
Today · 4.125%
HK$16,400
baseline
▲ 0.50% · 4.625%
HK$17,264
+HK$864/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,800/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,317
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$516/mo
Today · 4.125%
HK$17,340
baseline
▲ 0.50% · 4.625%
HK$18,395
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,680/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,152
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,639
−HK$494/mo
Today · 4.125%
HK$19,133
baseline
▲ 0.50% · 4.625%
HK$20,141
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,266/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,979
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,631
−HK$663/mo
Today · 4.125%
HK$22,294
baseline
▲ 0.50% · 4.625%
HK$23,651
+HK$1,357/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,588/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,338
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,964
−HK$635/mo
Today · 4.125%
HK$24,599
baseline
▲ 0.50% · 4.625%
HK$25,896
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,198/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,002 · 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).