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$11,808
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$374/mo
Today · 4.125%
HK$12,549
baseline
▲ 0.50% · 4.625%
HK$13,312
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,098/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,136
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,489
−HK$357/mo
Today · 4.125%
HK$13,846
baseline
▲ 0.50% · 4.625%
HK$14,576
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,692/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,170
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$448/mo
Today · 4.125%
HK$15,058
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,116/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,764
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,186
−HK$429/mo
Today · 4.125%
HK$16,615
baseline
▲ 0.50% · 4.625%
HK$17,491
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,230/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,531
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,045
−HK$523/mo
Today · 4.125%
HK$17,568
baseline
▲ 0.50% · 4.625%
HK$18,637
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,136/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,391
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,884
−HK$500/mo
Today · 4.125%
HK$19,384
baseline
▲ 0.50% · 4.625%
HK$20,406
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,768/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,254
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,916
−HK$671/mo
Today · 4.125%
HK$22,587
baseline
▲ 0.50% · 4.625%
HK$23,962
+HK$1,375/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,174/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,645
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,280
−HK$643/mo
Today · 4.125%
HK$24,923
baseline
▲ 0.50% · 4.625%
HK$26,237
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,846/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,514 · 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).