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$11,240
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,590
−HK$355/mo
Today · 4.125%
HK$11,945
baseline
▲ 0.50% · 4.625%
HK$12,672
+HK$727/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,890/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,504
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,840
−HK$340/mo
Today · 4.125%
HK$13,180
baseline
▲ 0.50% · 4.625%
HK$13,875
+HK$695/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,360/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,488
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,908
−HK$426/mo
Today · 4.125%
HK$14,334
baseline
▲ 0.50% · 4.625%
HK$15,206
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,668/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,005
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,408
−HK$408/mo
Today · 4.125%
HK$15,816
baseline
▲ 0.50% · 4.625%
HK$16,650
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,632/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,736
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,226
−HK$497/mo
Today · 4.125%
HK$16,723
baseline
▲ 0.50% · 4.625%
HK$17,740
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,446/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,506
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,976
−HK$476/mo
Today · 4.125%
HK$18,452
baseline
▲ 0.50% · 4.625%
HK$19,425
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,904/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,232
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,861
−HK$640/mo
Today · 4.125%
HK$21,501
baseline
▲ 0.50% · 4.625%
HK$22,809
+HK$1,308/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,002/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,508
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,112
−HK$612/mo
Today · 4.125%
HK$23,724
baseline
▲ 0.50% · 4.625%
HK$24,974
+HK$1,250/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,448/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,428 · 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).