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$11,468
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,825
−HK$362/mo
Today · 4.125%
HK$12,187
baseline
▲ 0.50% · 4.625%
HK$12,929
+HK$742/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,374/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,758
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,100
−HK$347/mo
Today · 4.125%
HK$13,447
baseline
▲ 0.50% · 4.625%
HK$14,156
+HK$709/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,894/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$113,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,762
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,190
−HK$435/mo
Today · 4.125%
HK$14,625
baseline
▲ 0.50% · 4.625%
HK$15,514
+HK$889/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$29,250/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,310
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,720
−HK$417/mo
Today · 4.125%
HK$16,137
baseline
▲ 0.50% · 4.625%
HK$16,987
+HK$850/mo
Deposit HK$2.01M · loan HK$3.02M · min. income ≈ HK$32,274/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$113,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,055
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,555
−HK$507/mo
Today · 4.125%
HK$17,062
baseline
▲ 0.50% · 4.625%
HK$18,100
+HK$1,038/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$34,124/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,861
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,340
−HK$486/mo
Today · 4.125%
HK$18,826
baseline
▲ 0.50% · 4.625%
HK$19,819
+HK$993/mo
Deposit HK$1.51M · loan HK$3.52M · min. income ≈ HK$37,652/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$113,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,642
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,285
−HK$652/mo
Today · 4.125%
HK$21,937
baseline
▲ 0.50% · 4.625%
HK$23,272
+HK$1,335/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$43,874/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,964
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,580
−HK$625/mo
Today · 4.125%
HK$24,205
baseline
▲ 0.50% · 4.625%
HK$25,481
+HK$1,276/mo
Deposit HK$503K · loan HK$4.53M · min. income ≈ HK$48,410/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$113,159 · 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).