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$11,783
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,150
−HK$372/mo
Today · 4.125%
HK$12,522
baseline
▲ 0.50% · 4.625%
HK$13,284
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,044/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,109
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,460
−HK$357/mo
Today · 4.125%
HK$13,817
baseline
▲ 0.50% · 4.625%
HK$14,545
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,634/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,140
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,580
−HK$446/mo
Today · 4.125%
HK$15,026
baseline
▲ 0.50% · 4.625%
HK$15,941
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,052/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,730
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,152
−HK$428/mo
Today · 4.125%
HK$16,580
baseline
▲ 0.50% · 4.625%
HK$17,454
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,160/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,496
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,009
−HK$522/mo
Today · 4.125%
HK$17,531
baseline
▲ 0.50% · 4.625%
HK$18,598
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,062/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,352
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,844
−HK$500/mo
Today · 4.125%
HK$19,344
baseline
▲ 0.50% · 4.625%
HK$20,363
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,688/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,210
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,869
−HK$671/mo
Today · 4.125%
HK$22,540
baseline
▲ 0.50% · 4.625%
HK$23,911
+HK$1,371/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,080/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,595
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,228
−HK$642/mo
Today · 4.125%
HK$24,870
baseline
▲ 0.50% · 4.625%
HK$26,181
+HK$1,311/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,740/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,268 · 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).