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$11,331
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,683
−HK$358/mo
Today · 4.125%
HK$12,041
baseline
▲ 0.50% · 4.625%
HK$12,774
+HK$733/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,082/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,605
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,943
−HK$343/mo
Today · 4.125%
HK$13,286
baseline
▲ 0.50% · 4.625%
HK$13,987
+HK$701/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,572/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,597
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,020
−HK$430/mo
Today · 4.125%
HK$14,450
baseline
▲ 0.50% · 4.625%
HK$15,329
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,900/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,126
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,532
−HK$412/mo
Today · 4.125%
HK$15,944
baseline
▲ 0.50% · 4.625%
HK$16,784
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,888/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,863
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,356
−HK$502/mo
Today · 4.125%
HK$16,858
baseline
▲ 0.50% · 4.625%
HK$17,884
+HK$1,026/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,716/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,647
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,121
−HK$480/mo
Today · 4.125%
HK$18,601
baseline
▲ 0.50% · 4.625%
HK$19,581
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,202/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,395
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,030
−HK$644/mo
Today · 4.125%
HK$21,674
baseline
▲ 0.50% · 4.625%
HK$22,993
+HK$1,319/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,348/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,690
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,298
−HK$617/mo
Today · 4.125%
HK$23,915
baseline
▲ 0.50% · 4.625%
HK$25,176
+HK$1,261/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,830/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,804 · 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).