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$11,807
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$373/mo
Today · 4.125%
HK$12,548
baseline
▲ 0.50% · 4.625%
HK$13,311
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,096/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,135
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$357/mo
Today · 4.125%
HK$13,845
baseline
▲ 0.50% · 4.625%
HK$14,575
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,690/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,169
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,609
−HK$448/mo
Today · 4.125%
HK$15,057
baseline
▲ 0.50% · 4.625%
HK$15,973
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,114/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,763
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,185
−HK$429/mo
Today · 4.125%
HK$16,614
baseline
▲ 0.50% · 4.625%
HK$17,490
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,228/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,530
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,044
−HK$523/mo
Today · 4.125%
HK$17,567
baseline
▲ 0.50% · 4.625%
HK$18,636
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,134/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,390
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,883
−HK$500/mo
Today · 4.125%
HK$19,383
baseline
▲ 0.50% · 4.625%
HK$20,405
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,766/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,253
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,914
−HK$672/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,960
+HK$1,374/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,644
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,278
−HK$643/mo
Today · 4.125%
HK$24,921
baseline
▲ 0.50% · 4.625%
HK$26,235
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,842/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,506 · 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).