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$10,987
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,329
−HK$347/mo
Today · 4.125%
HK$11,676
baseline
▲ 0.50% · 4.625%
HK$12,387
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,352/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,223
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,551
−HK$332/mo
Today · 4.125%
HK$12,883
baseline
▲ 0.50% · 4.625%
HK$13,562
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,766/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,184
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,595
−HK$416/mo
Today · 4.125%
HK$14,011
baseline
▲ 0.50% · 4.625%
HK$14,864
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,022/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,668
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,061
−HK$399/mo
Today · 4.125%
HK$15,460
baseline
▲ 0.50% · 4.625%
HK$16,275
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,920/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,382
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,860
−HK$486/mo
Today · 4.125%
HK$16,346
baseline
▲ 0.50% · 4.625%
HK$17,341
+HK$995/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$32,692/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,112
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,571
−HK$466/mo
Today · 4.125%
HK$18,037
baseline
▲ 0.50% · 4.625%
HK$18,987
+HK$950/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$36,074/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,777
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,392
−HK$625/mo
Today · 4.125%
HK$21,017
baseline
▲ 0.50% · 4.625%
HK$22,296
+HK$1,279/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,034/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,001
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,591
−HK$599/mo
Today · 4.125%
HK$23,190
baseline
▲ 0.50% · 4.625%
HK$24,412
+HK$1,222/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,380/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,336 · 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).