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$11,837
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,206
−HK$374/mo
Today · 4.125%
HK$12,580
baseline
▲ 0.50% · 4.625%
HK$13,345
+HK$765/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,160/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,169
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,522
−HK$359/mo
Today · 4.125%
HK$13,881
baseline
▲ 0.50% · 4.625%
HK$14,612
+HK$731/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,762/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,205
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,647
−HK$449/mo
Today · 4.125%
HK$15,096
baseline
▲ 0.50% · 4.625%
HK$16,014
+HK$918/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,192/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,803
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,227
−HK$430/mo
Today · 4.125%
HK$16,657
baseline
▲ 0.50% · 4.625%
HK$17,535
+HK$878/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,314/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,572
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,088
−HK$524/mo
Today · 4.125%
HK$17,612
baseline
▲ 0.50% · 4.625%
HK$18,683
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,224/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,437
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,931
−HK$502/mo
Today · 4.125%
HK$19,433
baseline
▲ 0.50% · 4.625%
HK$20,457
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,866/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,307
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,970
−HK$674/mo
Today · 4.125%
HK$22,644
baseline
▲ 0.50% · 4.625%
HK$24,021
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,288/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,704
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$645/mo
Today · 4.125%
HK$24,985
baseline
▲ 0.50% · 4.625%
HK$26,302
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,970/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,805 · 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).