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$11,988
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,361
−HK$379/mo
Today · 4.125%
HK$12,740
baseline
▲ 0.50% · 4.625%
HK$13,515
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,480/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,336
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,694
−HK$363/mo
Today · 4.125%
HK$14,057
baseline
▲ 0.50% · 4.625%
HK$14,798
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,114/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,385
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,833
−HK$455/mo
Today · 4.125%
HK$15,288
baseline
▲ 0.50% · 4.625%
HK$16,218
+HK$930/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,576/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,004
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,433
−HK$435/mo
Today · 4.125%
HK$16,868
baseline
▲ 0.50% · 4.625%
HK$17,757
+HK$889/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,736/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,783
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,305
−HK$530/mo
Today · 4.125%
HK$17,835
baseline
▲ 0.50% · 4.625%
HK$18,921
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,670/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,671
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,172
−HK$508/mo
Today · 4.125%
HK$19,680
baseline
▲ 0.50% · 4.625%
HK$20,717
+HK$1,037/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,360/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,578
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,249
−HK$682/mo
Today · 4.125%
HK$22,931
baseline
▲ 0.50% · 4.625%
HK$24,327
+HK$1,396/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,862/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,006
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,649
−HK$653/mo
Today · 4.125%
HK$25,302
baseline
▲ 0.50% · 4.625%
HK$26,636
+HK$1,334/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,604/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,289 · 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).