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$11,560
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,920
−HK$365/mo
Today · 4.125%
HK$12,285
baseline
▲ 0.50% · 4.625%
HK$13,032
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,570/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,860
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,205
−HK$350/mo
Today · 4.125%
HK$13,555
baseline
▲ 0.50% · 4.625%
HK$14,270
+HK$715/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,110/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,872
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,304
−HK$438/mo
Today · 4.125%
HK$14,742
baseline
▲ 0.50% · 4.625%
HK$15,639
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,484/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,433
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,846
−HK$420/mo
Today · 4.125%
HK$16,266
baseline
▲ 0.50% · 4.625%
HK$17,124
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,532/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,184
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,688
−HK$511/mo
Today · 4.125%
HK$17,199
baseline
▲ 0.50% · 4.625%
HK$18,245
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,398/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,005
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,488
−HK$489/mo
Today · 4.125%
HK$18,977
baseline
▲ 0.50% · 4.625%
HK$19,978
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,954/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,808
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,455
−HK$658/mo
Today · 4.125%
HK$22,113
baseline
▲ 0.50% · 4.625%
HK$23,458
+HK$1,345/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,226/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,149
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,770
−HK$629/mo
Today · 4.125%
HK$24,399
baseline
▲ 0.50% · 4.625%
HK$25,686
+HK$1,287/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,798/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,067 · 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).