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$11,011
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,354
−HK$348/mo
Today · 4.125%
HK$11,702
baseline
▲ 0.50% · 4.625%
HK$12,414
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,404/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,250
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,578
−HK$334/mo
Today · 4.125%
HK$12,912
baseline
▲ 0.50% · 4.625%
HK$13,592
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,824/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,213
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,624
−HK$418/mo
Today · 4.125%
HK$14,042
baseline
▲ 0.50% · 4.625%
HK$14,896
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,084/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,700
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,094
−HK$400/mo
Today · 4.125%
HK$15,494
baseline
▲ 0.50% · 4.625%
HK$16,311
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,988/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,416
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,895
−HK$487/mo
Today · 4.125%
HK$16,382
baseline
▲ 0.50% · 4.625%
HK$17,379
+HK$997/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,764/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,150
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,610
−HK$466/mo
Today · 4.125%
HK$18,076
baseline
▲ 0.50% · 4.625%
HK$19,029
+HK$953/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,152/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,820
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,437
−HK$626/mo
Today · 4.125%
HK$21,063
baseline
▲ 0.50% · 4.625%
HK$22,345
+HK$1,282/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,126/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,050
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,641
−HK$600/mo
Today · 4.125%
HK$23,241
baseline
▲ 0.50% · 4.625%
HK$24,466
+HK$1,225/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,482/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,394 · 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).