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$11,775
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,141
−HK$372/mo
Today · 4.125%
HK$12,513
baseline
▲ 0.50% · 4.625%
HK$13,274
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,026/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,099
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,450
−HK$357/mo
Today · 4.125%
HK$13,807
baseline
▲ 0.50% · 4.625%
HK$14,535
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,614/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,130
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,569
−HK$447/mo
Today · 4.125%
HK$15,016
baseline
▲ 0.50% · 4.625%
HK$15,929
+HK$913/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,032/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,719
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,141
−HK$427/mo
Today · 4.125%
HK$16,568
baseline
▲ 0.50% · 4.625%
HK$17,442
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,136/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,484
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,997
−HK$521/mo
Today · 4.125%
HK$17,518
baseline
▲ 0.50% · 4.625%
HK$18,584
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,036/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,339
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,831
−HK$499/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,348
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,194
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,854
−HK$669/mo
Today · 4.125%
HK$22,523
baseline
▲ 0.50% · 4.625%
HK$23,894
+HK$1,371/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$45,046/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,578
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,211
−HK$641/mo
Today · 4.125%
HK$24,852
baseline
▲ 0.50% · 4.625%
HK$26,162
+HK$1,310/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$49,704/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,184 · 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).