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$11,275
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,626
−HK$356/mo
Today · 4.125%
HK$11,982
baseline
▲ 0.50% · 4.625%
HK$12,712
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,964/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,544
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,880
−HK$341/mo
Today · 4.125%
HK$13,221
baseline
▲ 0.50% · 4.625%
HK$13,918
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,442/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,530
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,951
−HK$428/mo
Today · 4.125%
HK$14,379
baseline
▲ 0.50% · 4.625%
HK$15,254
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,758/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,053
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,456
−HK$410/mo
Today · 4.125%
HK$15,866
baseline
▲ 0.50% · 4.625%
HK$16,702
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,732/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,786
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,277
−HK$498/mo
Today · 4.125%
HK$16,775
baseline
▲ 0.50% · 4.625%
HK$17,796
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,550/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,561
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,032
−HK$478/mo
Today · 4.125%
HK$18,510
baseline
▲ 0.50% · 4.625%
HK$19,486
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,020/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,296
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,927
−HK$641/mo
Today · 4.125%
HK$21,568
baseline
▲ 0.50% · 4.625%
HK$22,881
+HK$1,313/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,136/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,579
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,184
−HK$615/mo
Today · 4.125%
HK$23,799
baseline
▲ 0.50% · 4.625%
HK$25,053
+HK$1,254/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,598/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,258 · 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).