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$11,515
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,873
−HK$364/mo
Today · 4.125%
HK$12,237
baseline
▲ 0.50% · 4.625%
HK$12,981
+HK$744/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$24,474/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,810
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,153
−HK$349/mo
Today · 4.125%
HK$13,502
baseline
▲ 0.50% · 4.625%
HK$14,214
+HK$712/mo
Deposit HK$2.52M · loan HK$2.52M · min. income ≈ HK$27,004/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,817
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,247
−HK$437/mo
Today · 4.125%
HK$14,684
baseline
▲ 0.50% · 4.625%
HK$15,577
+HK$893/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$29,368/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,372
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,784
−HK$418/mo
Today · 4.125%
HK$16,202
baseline
▲ 0.50% · 4.625%
HK$17,056
+HK$854/mo
Deposit HK$2.02M · loan HK$3.03M · min. income ≈ HK$32,404/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$113,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,120
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,622
−HK$509/mo
Today · 4.125%
HK$17,131
baseline
▲ 0.50% · 4.625%
HK$18,174
+HK$1,043/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$34,262/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,934
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,415
−HK$488/mo
Today · 4.125%
HK$18,903
baseline
▲ 0.50% · 4.625%
HK$19,899
+HK$996/mo
Deposit HK$1.51M · loan HK$3.53M · min. income ≈ HK$37,806/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,726
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,371
−HK$655/mo
Today · 4.125%
HK$22,026
baseline
▲ 0.50% · 4.625%
HK$23,366
+HK$1,340/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$44,052/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,058
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,676
−HK$627/mo
Today · 4.125%
HK$24,303
baseline
▲ 0.50% · 4.625%
HK$25,584
+HK$1,281/mo
Deposit HK$505K · loan HK$4.54M · min. income ≈ HK$48,606/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,618 · 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).