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$11,232
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,581
−HK$355/mo
Today · 4.125%
HK$11,936
baseline
▲ 0.50% · 4.625%
HK$12,662
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,872/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,495
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,830
−HK$340/mo
Today · 4.125%
HK$13,170
baseline
▲ 0.50% · 4.625%
HK$13,864
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,340/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,478
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,897
−HK$426/mo
Today · 4.125%
HK$14,323
baseline
▲ 0.50% · 4.625%
HK$15,195
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,646/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,994
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,396
−HK$408/mo
Today · 4.125%
HK$15,804
baseline
▲ 0.50% · 4.625%
HK$16,637
+HK$833/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,608/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,724
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,213
−HK$497/mo
Today · 4.125%
HK$16,710
baseline
▲ 0.50% · 4.625%
HK$17,727
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,420/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,493
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,962
−HK$476/mo
Today · 4.125%
HK$18,438
baseline
▲ 0.50% · 4.625%
HK$19,410
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,876/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,217
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,846
−HK$639/mo
Today · 4.125%
HK$21,485
baseline
▲ 0.50% · 4.625%
HK$22,792
+HK$1,307/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$42,970/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,491
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,094
−HK$612/mo
Today · 4.125%
HK$23,706
baseline
▲ 0.50% · 4.625%
HK$24,956
+HK$1,250/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$47,412/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,062 · 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).