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$11,518
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,876
−HK$364/mo
Today · 4.125%
HK$12,240
baseline
▲ 0.50% · 4.625%
HK$12,985
+HK$745/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,480/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,814
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,157
−HK$349/mo
Today · 4.125%
HK$13,506
baseline
▲ 0.50% · 4.625%
HK$14,218
+HK$712/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,012/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,822
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,252
−HK$436/mo
Today · 4.125%
HK$14,688
baseline
▲ 0.50% · 4.625%
HK$15,582
+HK$894/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,376/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,376
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,789
−HK$418/mo
Today · 4.125%
HK$16,207
baseline
▲ 0.50% · 4.625%
HK$17,061
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,414/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,125
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,627
−HK$509/mo
Today · 4.125%
HK$17,136
baseline
▲ 0.50% · 4.625%
HK$18,179
+HK$1,043/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,272/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,939
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,420
−HK$488/mo
Today · 4.125%
HK$18,908
baseline
▲ 0.50% · 4.625%
HK$19,905
+HK$997/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,816/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,732
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,377
−HK$656/mo
Today · 4.125%
HK$22,033
baseline
▲ 0.50% · 4.625%
HK$23,373
+HK$1,340/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$44,066/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,065
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,683
−HK$628/mo
Today · 4.125%
HK$24,311
baseline
▲ 0.50% · 4.625%
HK$25,592
+HK$1,281/mo
Deposit HK$505K · loan HK$4.55M · min. income ≈ HK$48,622/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,653 · 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).