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$11,212
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,561
−HK$354/mo
Today · 4.125%
HK$11,915
baseline
▲ 0.50% · 4.625%
HK$12,640
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,830/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,473
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,808
−HK$339/mo
Today · 4.125%
HK$13,147
baseline
▲ 0.50% · 4.625%
HK$13,840
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,294/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,455
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,873
−HK$425/mo
Today · 4.125%
HK$14,298
baseline
▲ 0.50% · 4.625%
HK$15,168
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,596/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,968
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,370
−HK$407/mo
Today · 4.125%
HK$15,777
baseline
▲ 0.50% · 4.625%
HK$16,608
+HK$831/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,554/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,697
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,185
−HK$496/mo
Today · 4.125%
HK$16,681
baseline
▲ 0.50% · 4.625%
HK$17,696
+HK$1,015/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,362/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,463
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,931
−HK$475/mo
Today · 4.125%
HK$18,406
baseline
▲ 0.50% · 4.625%
HK$19,376
+HK$970/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,812/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,182
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,810
−HK$638/mo
Today · 4.125%
HK$21,448
baseline
▲ 0.50% · 4.625%
HK$22,753
+HK$1,305/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,896/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,452
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,054
−HK$611/mo
Today · 4.125%
HK$23,665
baseline
▲ 0.50% · 4.625%
HK$24,913
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,330/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,207 · 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).