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$11,628
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,989
−HK$368/mo
Today · 4.125%
HK$12,357
baseline
▲ 0.50% · 4.625%
HK$13,109
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,714/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,936
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,282
−HK$352/mo
Today · 4.125%
HK$13,634
baseline
▲ 0.50% · 4.625%
HK$14,353
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,268/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,953
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,387
−HK$441/mo
Today · 4.125%
HK$14,828
baseline
▲ 0.50% · 4.625%
HK$15,730
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,656/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,523
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,939
−HK$422/mo
Today · 4.125%
HK$16,361
baseline
▲ 0.50% · 4.625%
HK$17,224
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,722/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,279
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,785
−HK$514/mo
Today · 4.125%
HK$17,299
baseline
▲ 0.50% · 4.625%
HK$18,352
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,598/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,110
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,595
−HK$493/mo
Today · 4.125%
HK$19,088
baseline
▲ 0.50% · 4.625%
HK$20,094
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,176/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,930
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,581
−HK$661/mo
Today · 4.125%
HK$22,242
baseline
▲ 0.50% · 4.625%
HK$23,595
+HK$1,353/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,484/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,284
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,908
−HK$634/mo
Today · 4.125%
HK$24,542
baseline
▲ 0.50% · 4.625%
HK$25,836
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,084/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,733 · 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).