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$10,881
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,220
−HK$344/mo
Today · 4.125%
HK$11,564
baseline
▲ 0.50% · 4.625%
HK$12,267
+HK$703/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,128/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,105
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,430
−HK$329/mo
Today · 4.125%
HK$12,759
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,518/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,058
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,464
−HK$412/mo
Today · 4.125%
HK$13,876
baseline
▲ 0.50% · 4.625%
HK$14,721
+HK$845/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,752/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,527
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,916
−HK$395/mo
Today · 4.125%
HK$15,311
baseline
▲ 0.50% · 4.625%
HK$16,118
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,622/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,234
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,708
−HK$481/mo
Today · 4.125%
HK$16,189
baseline
▲ 0.50% · 4.625%
HK$17,174
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,378/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,948
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,402
−HK$461/mo
Today · 4.125%
HK$17,863
baseline
▲ 0.50% · 4.625%
HK$18,805
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,726/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,586
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,196
−HK$619/mo
Today · 4.125%
HK$20,815
baseline
▲ 0.50% · 4.625%
HK$22,081
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,630/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,790
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,374
−HK$593/mo
Today · 4.125%
HK$22,967
baseline
▲ 0.50% · 4.625%
HK$24,178
+HK$1,211/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,934/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,701 · 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).