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$11,874
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,243
−HK$375/mo
Today · 4.125%
HK$12,618
baseline
▲ 0.50% · 4.625%
HK$13,386
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,236/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,209
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,563
−HK$360/mo
Today · 4.125%
HK$13,923
baseline
▲ 0.50% · 4.625%
HK$14,657
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,846/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,248
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,691
−HK$451/mo
Today · 4.125%
HK$15,142
baseline
▲ 0.50% · 4.625%
HK$16,063
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,284/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,851
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,276
−HK$431/mo
Today · 4.125%
HK$16,707
baseline
▲ 0.50% · 4.625%
HK$17,588
+HK$881/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,414/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,623
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,140
−HK$525/mo
Today · 4.125%
HK$17,665
baseline
▲ 0.50% · 4.625%
HK$18,740
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,330/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,493
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,989
−HK$503/mo
Today · 4.125%
HK$19,492
baseline
▲ 0.50% · 4.625%
HK$20,519
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,984/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,372
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,037
−HK$676/mo
Today · 4.125%
HK$22,713
baseline
▲ 0.50% · 4.625%
HK$24,095
+HK$1,382/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,426/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,777
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,414
−HK$647/mo
Today · 4.125%
HK$25,061
baseline
▲ 0.50% · 4.625%
HK$26,382
+HK$1,321/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,122/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,161 · 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).