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$11,826
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,193
−HK$374/mo
Today · 4.125%
HK$12,567
baseline
▲ 0.50% · 4.625%
HK$13,332
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,134/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,156
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,509
−HK$358/mo
Today · 4.125%
HK$13,867
baseline
▲ 0.50% · 4.625%
HK$14,597
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,734/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,191
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,632
−HK$448/mo
Today · 4.125%
HK$15,080
baseline
▲ 0.50% · 4.625%
HK$15,998
+HK$918/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,160/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,787
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,210
−HK$430/mo
Today · 4.125%
HK$16,640
baseline
▲ 0.50% · 4.625%
HK$17,517
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,280/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,556
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,071
−HK$523/mo
Today · 4.125%
HK$17,594
baseline
▲ 0.50% · 4.625%
HK$18,664
+HK$1,070/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,188/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,418
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,912
−HK$501/mo
Today · 4.125%
HK$19,413
baseline
▲ 0.50% · 4.625%
HK$20,436
+HK$1,023/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,826/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,286
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,948
−HK$673/mo
Today · 4.125%
HK$22,621
baseline
▲ 0.50% · 4.625%
HK$23,997
+HK$1,376/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,242/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,680
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,315
−HK$645/mo
Today · 4.125%
HK$24,960
baseline
▲ 0.50% · 4.625%
HK$26,275
+HK$1,315/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,920/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,686 · 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).