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$11,085
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,429
−HK$351/mo
Today · 4.125%
HK$11,780
baseline
▲ 0.50% · 4.625%
HK$12,497
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,560/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,332
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,662
−HK$336/mo
Today · 4.125%
HK$12,998
baseline
▲ 0.50% · 4.625%
HK$13,683
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,996/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,302
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,715
−HK$421/mo
Today · 4.125%
HK$14,136
baseline
▲ 0.50% · 4.625%
HK$14,996
+HK$860/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,272/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,798
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,195
−HK$402/mo
Today · 4.125%
HK$15,597
baseline
▲ 0.50% · 4.625%
HK$16,420
+HK$823/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,194/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,519
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,001
−HK$491/mo
Today · 4.125%
HK$16,492
baseline
▲ 0.50% · 4.625%
HK$17,495
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,984/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,264
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,727
−HK$470/mo
Today · 4.125%
HK$18,197
baseline
▲ 0.50% · 4.625%
HK$19,156
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,394/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,952
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,573
−HK$631/mo
Today · 4.125%
HK$21,204
baseline
▲ 0.50% · 4.625%
HK$22,494
+HK$1,290/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$42,408/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,197
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,792
−HK$604/mo
Today · 4.125%
HK$23,396
baseline
▲ 0.50% · 4.625%
HK$24,629
+HK$1,233/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$46,792/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,615 · 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).