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$11,071
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,415
−HK$350/mo
Today · 4.125%
HK$11,765
baseline
▲ 0.50% · 4.625%
HK$12,481
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,530/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,316
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,646
−HK$335/mo
Today · 4.125%
HK$12,981
baseline
▲ 0.50% · 4.625%
HK$13,666
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,962/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,285
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,698
−HK$420/mo
Today · 4.125%
HK$14,118
baseline
▲ 0.50% · 4.625%
HK$14,977
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,236/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$103,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,779
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,176
−HK$402/mo
Today · 4.125%
HK$15,578
baseline
▲ 0.50% · 4.625%
HK$16,399
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,156/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$103,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,499
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,981
−HK$490/mo
Today · 4.125%
HK$16,471
baseline
▲ 0.50% · 4.625%
HK$17,473
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,942/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,242
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,705
−HK$469/mo
Today · 4.125%
HK$18,174
baseline
▲ 0.50% · 4.625%
HK$19,132
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,348/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,927
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,547
−HK$630/mo
Today · 4.125%
HK$21,177
baseline
▲ 0.50% · 4.625%
HK$22,465
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,354/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$103,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,169
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,763
−HK$603/mo
Today · 4.125%
HK$23,366
baseline
▲ 0.50% · 4.625%
HK$24,598
+HK$1,232/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,732/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$103,000 · 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).