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$11,730
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,095
−HK$370/mo
Today · 4.125%
HK$12,465
baseline
▲ 0.50% · 4.625%
HK$13,224
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,930/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,049
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,399
−HK$355/mo
Today · 4.125%
HK$13,754
baseline
▲ 0.50% · 4.625%
HK$14,479
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,508/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,076
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,514
−HK$444/mo
Today · 4.125%
HK$14,958
baseline
▲ 0.50% · 4.625%
HK$15,869
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,916/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,659
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,079
−HK$426/mo
Today · 4.125%
HK$16,505
baseline
▲ 0.50% · 4.625%
HK$17,375
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,010/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,422
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,933
−HK$519/mo
Today · 4.125%
HK$17,452
baseline
▲ 0.50% · 4.625%
HK$18,513
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,904/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,269
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,759
−HK$497/mo
Today · 4.125%
HK$19,256
baseline
▲ 0.50% · 4.625%
HK$20,271
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,512/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,114
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,770
−HK$668/mo
Today · 4.125%
HK$22,438
baseline
▲ 0.50% · 4.625%
HK$23,803
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,876/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,489
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,119
−HK$639/mo
Today · 4.125%
HK$24,758
baseline
▲ 0.50% · 4.625%
HK$26,063
+HK$1,305/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,516/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,743 · 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).