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$12,024
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,398
−HK$380/mo
Today · 4.125%
HK$12,778
baseline
▲ 0.50% · 4.625%
HK$13,556
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,556/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,377
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,736
−HK$364/mo
Today · 4.125%
HK$14,100
baseline
▲ 0.50% · 4.625%
HK$14,843
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,200/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,429
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,878
−HK$456/mo
Today · 4.125%
HK$15,334
baseline
▲ 0.50% · 4.625%
HK$16,267
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,668/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,052
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,483
−HK$437/mo
Today · 4.125%
HK$16,920
baseline
▲ 0.50% · 4.625%
HK$17,812
+HK$892/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,840/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,834
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,358
−HK$532/mo
Today · 4.125%
HK$17,890
baseline
▲ 0.50% · 4.625%
HK$18,978
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,780/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,728
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,230
−HK$510/mo
Today · 4.125%
HK$19,740
baseline
▲ 0.50% · 4.625%
HK$20,780
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,480/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,644
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,317
−HK$684/mo
Today · 4.125%
HK$23,001
baseline
▲ 0.50% · 4.625%
HK$24,401
+HK$1,400/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$46,002/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,079
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,724
−HK$656/mo
Today · 4.125%
HK$25,380
baseline
▲ 0.50% · 4.625%
HK$26,717
+HK$1,337/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$50,760/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,649 · 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).