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$10,983
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,325
−HK$347/mo
Today · 4.125%
HK$11,672
baseline
▲ 0.50% · 4.625%
HK$12,382
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,344/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,219
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,546
−HK$333/mo
Today · 4.125%
HK$12,879
baseline
▲ 0.50% · 4.625%
HK$13,558
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,758/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,180
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,590
−HK$416/mo
Today · 4.125%
HK$14,006
baseline
▲ 0.50% · 4.625%
HK$14,859
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,012/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,662
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$399/mo
Today · 4.125%
HK$15,455
baseline
▲ 0.50% · 4.625%
HK$16,269
+HK$814/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,910/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,376
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,855
−HK$486/mo
Today · 4.125%
HK$16,341
baseline
▲ 0.50% · 4.625%
HK$17,335
+HK$994/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,682/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,106
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,565
−HK$465/mo
Today · 4.125%
HK$18,030
baseline
▲ 0.50% · 4.625%
HK$18,981
+HK$951/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,060/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,770
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,385
−HK$624/mo
Today · 4.125%
HK$21,009
baseline
▲ 0.50% · 4.625%
HK$22,288
+HK$1,279/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$42,018/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,994
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,583
−HK$599/mo
Today · 4.125%
HK$23,182
baseline
▲ 0.50% · 4.625%
HK$24,404
+HK$1,222/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$46,364/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,164 · 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).