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$11,627
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,989
−HK$367/mo
Today · 4.125%
HK$12,356
baseline
▲ 0.50% · 4.625%
HK$13,108
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,712/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,935
−HK$699/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$114,729 · 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$114,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,522
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,938
−HK$423/mo
Today · 4.125%
HK$16,361
baseline
▲ 0.50% · 4.625%
HK$17,223
+HK$862/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$114,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,278
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,784
−HK$515/mo
Today · 4.125%
HK$17,299
baseline
▲ 0.50% · 4.625%
HK$18,351
+HK$1,052/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$114,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,109
−HK$979/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$114,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,929
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,580
−HK$661/mo
Today · 4.125%
HK$22,241
baseline
▲ 0.50% · 4.625%
HK$23,595
+HK$1,354/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,482/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,283
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,908
−HK$633/mo
Today · 4.125%
HK$24,541
baseline
▲ 0.50% · 4.625%
HK$25,835
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,082/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,729 · 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).