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$11,705
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,069
−HK$370/mo
Today · 4.125%
HK$12,439
baseline
▲ 0.50% · 4.625%
HK$13,196
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,878/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,021
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,371
−HK$354/mo
Today · 4.125%
HK$13,725
baseline
▲ 0.50% · 4.625%
HK$14,448
+HK$723/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,450/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,046
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$443/mo
Today · 4.125%
HK$14,926
baseline
▲ 0.50% · 4.625%
HK$15,835
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,852/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,626
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,045
−HK$425/mo
Today · 4.125%
HK$16,470
baseline
▲ 0.50% · 4.625%
HK$17,338
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,940/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,387
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,896
−HK$518/mo
Today · 4.125%
HK$17,414
baseline
▲ 0.50% · 4.625%
HK$18,474
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,828/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,230
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,719
−HK$496/mo
Today · 4.125%
HK$19,215
baseline
▲ 0.50% · 4.625%
HK$20,228
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,430/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,068
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,724
−HK$666/mo
Today · 4.125%
HK$22,390
baseline
▲ 0.50% · 4.625%
HK$23,752
+HK$1,362/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,780/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,438
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,067
−HK$638/mo
Today · 4.125%
HK$24,705
baseline
▲ 0.50% · 4.625%
HK$26,007
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,410/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,494 · 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).