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$11,078
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,422
−HK$350/mo
Today · 4.125%
HK$11,772
baseline
▲ 0.50% · 4.625%
HK$12,489
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,544/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,324
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,654
−HK$335/mo
Today · 4.125%
HK$12,989
baseline
▲ 0.50% · 4.625%
HK$13,674
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,978/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,293
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,707
−HK$420/mo
Today · 4.125%
HK$14,127
baseline
▲ 0.50% · 4.625%
HK$14,986
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,254/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,788
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,185
−HK$402/mo
Today · 4.125%
HK$15,587
baseline
▲ 0.50% · 4.625%
HK$16,409
+HK$822/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,174/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,509
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,991
−HK$490/mo
Today · 4.125%
HK$16,481
baseline
▲ 0.50% · 4.625%
HK$17,484
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,962/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,253
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$469/mo
Today · 4.125%
HK$18,185
baseline
▲ 0.50% · 4.625%
HK$19,144
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,370/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,940
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,560
−HK$630/mo
Today · 4.125%
HK$21,190
baseline
▲ 0.50% · 4.625%
HK$22,479
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,380/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,183
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,778
−HK$603/mo
Today · 4.125%
HK$23,381
baseline
▲ 0.50% · 4.625%
HK$24,614
+HK$1,233/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,762/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,304 · 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).