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$11,255
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,605
−HK$355/mo
Today · 4.125%
HK$11,960
baseline
▲ 0.50% · 4.625%
HK$12,688
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,920/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,521
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,856
−HK$341/mo
Today · 4.125%
HK$13,197
baseline
▲ 0.50% · 4.625%
HK$13,893
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,394/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,505
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,926
−HK$426/mo
Today · 4.125%
HK$14,352
baseline
▲ 0.50% · 4.625%
HK$15,226
+HK$874/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,704/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,025
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,428
−HK$408/mo
Today · 4.125%
HK$15,836
baseline
▲ 0.50% · 4.625%
HK$16,671
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,672/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,756
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,246
−HK$498/mo
Today · 4.125%
HK$16,744
baseline
▲ 0.50% · 4.625%
HK$17,763
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,488/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,529
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,999
−HK$477/mo
Today · 4.125%
HK$18,476
baseline
▲ 0.50% · 4.625%
HK$19,450
+HK$974/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,952/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,258
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,888
−HK$641/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,838
+HK$1,309/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,537
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,141
−HK$614/mo
Today · 4.125%
HK$23,755
baseline
▲ 0.50% · 4.625%
HK$25,007
+HK$1,252/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,510/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,052 · 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).