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$11,570
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,929
−HK$366/mo
Today · 4.125%
HK$12,295
baseline
▲ 0.50% · 4.625%
HK$13,043
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,590/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,871
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,216
−HK$350/mo
Today · 4.125%
HK$13,566
baseline
▲ 0.50% · 4.625%
HK$14,282
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,132/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,883
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,315
−HK$439/mo
Today · 4.125%
HK$14,754
baseline
▲ 0.50% · 4.625%
HK$15,652
+HK$898/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,508/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,445
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,859
−HK$421/mo
Today · 4.125%
HK$16,280
baseline
▲ 0.50% · 4.625%
HK$17,138
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,560/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,197
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,701
−HK$512/mo
Today · 4.125%
HK$17,213
baseline
▲ 0.50% · 4.625%
HK$18,261
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,426/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,019
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,503
−HK$490/mo
Today · 4.125%
HK$18,993
baseline
▲ 0.50% · 4.625%
HK$19,994
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,986/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,825
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,473
−HK$658/mo
Today · 4.125%
HK$22,131
baseline
▲ 0.50% · 4.625%
HK$23,478
+HK$1,347/mo
Deposit HK$507K · loan HK$4.57M · min. income ≈ HK$44,262/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,168
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,789
−HK$631/mo
Today · 4.125%
HK$24,420
baseline
▲ 0.50% · 4.625%
HK$25,707
+HK$1,287/mo
Deposit HK$507K · loan HK$4.57M · min. income ≈ HK$48,840/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,161 · 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).