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$11,342
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,694
−HK$359/mo
Today · 4.125%
HK$12,053
baseline
▲ 0.50% · 4.625%
HK$12,786
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,106/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,617
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,956
−HK$343/mo
Today · 4.125%
HK$13,299
baseline
▲ 0.50% · 4.625%
HK$14,000
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,598/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,610
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,033
−HK$430/mo
Today · 4.125%
HK$14,463
baseline
▲ 0.50% · 4.625%
HK$15,343
+HK$880/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,926/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,141
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,547
−HK$412/mo
Today · 4.125%
HK$15,959
baseline
▲ 0.50% · 4.625%
HK$16,800
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,918/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,878
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,372
−HK$502/mo
Today · 4.125%
HK$16,874
baseline
▲ 0.50% · 4.625%
HK$17,901
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,748/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,664
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,138
−HK$481/mo
Today · 4.125%
HK$18,619
baseline
▲ 0.50% · 4.625%
HK$19,600
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,238/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,415
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,050
−HK$645/mo
Today · 4.125%
HK$21,695
baseline
▲ 0.50% · 4.625%
HK$23,015
+HK$1,320/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$43,390/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,711
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,320
−HK$618/mo
Today · 4.125%
HK$23,938
baseline
▲ 0.50% · 4.625%
HK$25,200
+HK$1,262/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$47,876/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,911 · 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).