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$11,354
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,708
−HK$358/mo
Today · 4.125%
HK$12,066
baseline
▲ 0.50% · 4.625%
HK$12,801
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,132/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,632
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,970
−HK$344/mo
Today · 4.125%
HK$13,314
baseline
▲ 0.50% · 4.625%
HK$14,016
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,628/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,625
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,049
−HK$431/mo
Today · 4.125%
HK$14,480
baseline
▲ 0.50% · 4.625%
HK$15,361
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,960/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,158
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,565
−HK$412/mo
Today · 4.125%
HK$15,977
baseline
▲ 0.50% · 4.625%
HK$16,819
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,954/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,896
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,391
−HK$502/mo
Today · 4.125%
HK$16,893
baseline
▲ 0.50% · 4.625%
HK$17,921
+HK$1,028/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$33,786/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,684
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,159
−HK$481/mo
Today · 4.125%
HK$18,640
baseline
▲ 0.50% · 4.625%
HK$19,622
+HK$982/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$37,280/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,438
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,074
−HK$646/mo
Today · 4.125%
HK$21,720
baseline
▲ 0.50% · 4.625%
HK$23,041
+HK$1,321/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,440/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,737
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$618/mo
Today · 4.125%
HK$23,965
baseline
▲ 0.50% · 4.625%
HK$25,229
+HK$1,264/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,930/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,038 · 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).