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$11,298
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,649
−HK$358/mo
Today · 4.125%
HK$12,007
baseline
▲ 0.50% · 4.625%
HK$12,737
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,014/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,569
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,906
−HK$342/mo
Today · 4.125%
HK$13,248
baseline
▲ 0.50% · 4.625%
HK$13,946
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,496/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,558
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,979
−HK$429/mo
Today · 4.125%
HK$14,408
baseline
▲ 0.50% · 4.625%
HK$15,285
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,816/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,083
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,487
−HK$411/mo
Today · 4.125%
HK$15,898
baseline
▲ 0.50% · 4.625%
HK$16,736
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,796/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,817
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$500/mo
Today · 4.125%
HK$16,809
baseline
▲ 0.50% · 4.625%
HK$17,832
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,618/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,597
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,068
−HK$479/mo
Today · 4.125%
HK$18,547
baseline
▲ 0.50% · 4.625%
HK$19,525
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,094/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,336
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,969
−HK$643/mo
Today · 4.125%
HK$21,612
baseline
▲ 0.50% · 4.625%
HK$22,927
+HK$1,315/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,224/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,624
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,231
−HK$615/mo
Today · 4.125%
HK$23,846
baseline
▲ 0.50% · 4.625%
HK$25,103
+HK$1,257/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,692/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,482 · 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).