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$11,698
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,062
−HK$369/mo
Today · 4.125%
HK$12,431
baseline
▲ 0.50% · 4.625%
HK$13,188
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,862/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,014
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,363
−HK$354/mo
Today · 4.125%
HK$13,717
baseline
▲ 0.50% · 4.625%
HK$14,440
+HK$723/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,434/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,037
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,474
−HK$444/mo
Today · 4.125%
HK$14,918
baseline
▲ 0.50% · 4.625%
HK$15,825
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,836/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,616
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,035
−HK$425/mo
Today · 4.125%
HK$16,460
baseline
▲ 0.50% · 4.625%
HK$17,328
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,920/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,377
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$518/mo
Today · 4.125%
HK$17,404
baseline
▲ 0.50% · 4.625%
HK$18,463
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,808/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,219
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,708
−HK$495/mo
Today · 4.125%
HK$19,203
baseline
▲ 0.50% · 4.625%
HK$20,216
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,406/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,056
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,711
−HK$665/mo
Today · 4.125%
HK$22,376
baseline
▲ 0.50% · 4.625%
HK$23,738
+HK$1,362/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,752/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,425
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,053
−HK$637/mo
Today · 4.125%
HK$24,690
baseline
▲ 0.50% · 4.625%
HK$25,992
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,380/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,426 · 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).