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$11,325
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,677
−HK$358/mo
Today · 4.125%
HK$12,035
baseline
▲ 0.50% · 4.625%
HK$12,767
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,070/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,599
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,937
−HK$342/mo
Today · 4.125%
HK$13,279
baseline
▲ 0.50% · 4.625%
HK$13,979
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,558/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,590
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,012
−HK$430/mo
Today · 4.125%
HK$14,442
baseline
▲ 0.50% · 4.625%
HK$15,321
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,884/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,118
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,524
−HK$411/mo
Today · 4.125%
HK$15,935
baseline
▲ 0.50% · 4.625%
HK$16,775
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,870/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,855
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,348
−HK$501/mo
Today · 4.125%
HK$16,849
baseline
▲ 0.50% · 4.625%
HK$17,874
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,698/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,638
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,111
−HK$480/mo
Today · 4.125%
HK$18,591
baseline
▲ 0.50% · 4.625%
HK$19,571
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,182/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,384
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,019
−HK$644/mo
Today · 4.125%
HK$21,663
baseline
▲ 0.50% · 4.625%
HK$22,981
+HK$1,318/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,326/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,678
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,286
−HK$617/mo
Today · 4.125%
HK$23,903
baseline
▲ 0.50% · 4.625%
HK$25,163
+HK$1,260/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,806/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,745 · 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).