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$11,964
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,336
−HK$378/mo
Today · 4.125%
HK$12,714
baseline
▲ 0.50% · 4.625%
HK$13,487
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,428/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,309
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,666
−HK$363/mo
Today · 4.125%
HK$14,029
baseline
▲ 0.50% · 4.625%
HK$14,768
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,058/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,356
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,803
−HK$454/mo
Today · 4.125%
HK$15,257
baseline
▲ 0.50% · 4.625%
HK$16,185
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,514/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,971
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,400
−HK$434/mo
Today · 4.125%
HK$16,834
baseline
▲ 0.50% · 4.625%
HK$17,722
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,668/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,749
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,270
−HK$529/mo
Today · 4.125%
HK$17,799
baseline
▲ 0.50% · 4.625%
HK$18,882
+HK$1,083/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,598/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,633
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,133
−HK$507/mo
Today · 4.125%
HK$19,640
baseline
▲ 0.50% · 4.625%
HK$20,675
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,280/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,535
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,204
−HK$681/mo
Today · 4.125%
HK$22,885
baseline
▲ 0.50% · 4.625%
HK$24,277
+HK$1,392/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,770/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,957
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,600
−HK$651/mo
Today · 4.125%
HK$25,251
baseline
▲ 0.50% · 4.625%
HK$26,582
+HK$1,331/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,502/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,050 · 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).