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$10,975
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,316
−HK$347/mo
Today · 4.125%
HK$11,663
baseline
▲ 0.50% · 4.625%
HK$12,373
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,326/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,209
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,537
−HK$332/mo
Today · 4.125%
HK$12,869
baseline
▲ 0.50% · 4.625%
HK$13,547
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,738/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,170
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,579
−HK$417/mo
Today · 4.125%
HK$13,996
baseline
▲ 0.50% · 4.625%
HK$14,847
+HK$851/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$27,992/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,651
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,044
−HK$399/mo
Today · 4.125%
HK$15,443
baseline
▲ 0.50% · 4.625%
HK$16,257
+HK$814/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,886/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,365
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,843
−HK$485/mo
Today · 4.125%
HK$16,328
baseline
▲ 0.50% · 4.625%
HK$17,322
+HK$994/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,656/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,093
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,552
−HK$465/mo
Today · 4.125%
HK$18,017
baseline
▲ 0.50% · 4.625%
HK$18,966
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,034/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,755
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,369
−HK$625/mo
Today · 4.125%
HK$20,994
baseline
▲ 0.50% · 4.625%
HK$22,271
+HK$1,277/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,988/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,977
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,566
−HK$598/mo
Today · 4.125%
HK$23,164
baseline
▲ 0.50% · 4.625%
HK$24,385
+HK$1,221/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,328/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,799 · 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).