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$11,357
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,710
−HK$359/mo
Today · 4.125%
HK$12,069
baseline
▲ 0.50% · 4.625%
HK$12,804
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,138/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,635
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,974
−HK$343/mo
Today · 4.125%
HK$13,317
baseline
▲ 0.50% · 4.625%
HK$14,019
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,634/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,629
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,052
−HK$431/mo
Today · 4.125%
HK$14,483
baseline
▲ 0.50% · 4.625%
HK$15,364
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,966/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,162
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,568
−HK$413/mo
Today · 4.125%
HK$15,981
baseline
▲ 0.50% · 4.625%
HK$16,823
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,962/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,900
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,395
−HK$502/mo
Today · 4.125%
HK$16,897
baseline
▲ 0.50% · 4.625%
HK$17,925
+HK$1,028/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$33,794/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,689
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,163
−HK$481/mo
Today · 4.125%
HK$18,644
baseline
▲ 0.50% · 4.625%
HK$19,627
+HK$983/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$37,288/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,443
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,079
−HK$646/mo
Today · 4.125%
HK$21,725
baseline
▲ 0.50% · 4.625%
HK$23,047
+HK$1,322/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,450/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,742
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,352
−HK$619/mo
Today · 4.125%
HK$23,971
baseline
▲ 0.50% · 4.625%
HK$25,235
+HK$1,264/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,942/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,064 · 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).