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$11,809
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,176
−HK$373/mo
Today · 4.125%
HK$12,549
baseline
▲ 0.50% · 4.625%
HK$13,313
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,098/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,137
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,490
−HK$357/mo
Today · 4.125%
HK$13,847
baseline
▲ 0.50% · 4.625%
HK$14,577
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,694/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,171
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,612
−HK$447/mo
Today · 4.125%
HK$15,059
baseline
▲ 0.50% · 4.625%
HK$15,976
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,118/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,765
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,188
−HK$429/mo
Today · 4.125%
HK$16,617
baseline
▲ 0.50% · 4.625%
HK$17,492
+HK$875/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,234/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,533
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,047
−HK$522/mo
Today · 4.125%
HK$17,569
baseline
▲ 0.50% · 4.625%
HK$18,638
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,138/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,392
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,886
−HK$500/mo
Today · 4.125%
HK$19,386
baseline
▲ 0.50% · 4.625%
HK$20,408
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,772/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,256
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,917
−HK$672/mo
Today · 4.125%
HK$22,589
baseline
▲ 0.50% · 4.625%
HK$23,964
+HK$1,375/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,178/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,647
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,281
−HK$644/mo
Today · 4.125%
HK$24,925
baseline
▲ 0.50% · 4.625%
HK$26,239
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,850/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,523 · 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).