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$11,890
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,260
−HK$376/mo
Today · 4.125%
HK$12,636
baseline
▲ 0.50% · 4.625%
HK$13,405
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,272/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,228
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,583
−HK$360/mo
Today · 4.125%
HK$13,943
baseline
▲ 0.50% · 4.625%
HK$14,678
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,886/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,268
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,712
−HK$451/mo
Today · 4.125%
HK$15,163
baseline
▲ 0.50% · 4.625%
HK$16,086
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,326/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,874
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,299
−HK$432/mo
Today · 4.125%
HK$16,731
baseline
▲ 0.50% · 4.625%
HK$17,613
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,462/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,647
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,164
−HK$526/mo
Today · 4.125%
HK$17,690
baseline
▲ 0.50% · 4.625%
HK$18,767
+HK$1,077/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,380/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,519
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,016
−HK$504/mo
Today · 4.125%
HK$19,520
baseline
▲ 0.50% · 4.625%
HK$20,549
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,040/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,403
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,068
−HK$677/mo
Today · 4.125%
HK$22,745
baseline
▲ 0.50% · 4.625%
HK$24,129
+HK$1,384/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,490/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,810
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,449
−HK$648/mo
Today · 4.125%
HK$25,097
baseline
▲ 0.50% · 4.625%
HK$26,420
+HK$1,323/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,194/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,327 · 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).