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$11,710
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,074
−HK$371/mo
Today · 4.125%
HK$12,445
baseline
▲ 0.50% · 4.625%
HK$13,202
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,890/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,028
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,377
−HK$354/mo
Today · 4.125%
HK$13,731
baseline
▲ 0.50% · 4.625%
HK$14,455
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,462/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,052
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,489
−HK$444/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,842
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,866/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,633
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,052
−HK$426/mo
Today · 4.125%
HK$16,478
baseline
▲ 0.50% · 4.625%
HK$17,346
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,956/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,394
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,904
−HK$518/mo
Today · 4.125%
HK$17,422
baseline
▲ 0.50% · 4.625%
HK$18,483
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,844/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,239
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,728
−HK$496/mo
Today · 4.125%
HK$19,224
baseline
▲ 0.50% · 4.625%
HK$20,237
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,448/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,078
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,734
−HK$666/mo
Today · 4.125%
HK$22,400
baseline
▲ 0.50% · 4.625%
HK$23,763
+HK$1,363/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,800/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,450
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,078
−HK$638/mo
Today · 4.125%
HK$24,716
baseline
▲ 0.50% · 4.625%
HK$26,019
+HK$1,303/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,432/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,549 · 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).