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$11,310
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,662
−HK$357/mo
Today · 4.125%
HK$12,019
baseline
▲ 0.50% · 4.625%
HK$12,750
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,038/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,582
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,920
−HK$342/mo
Today · 4.125%
HK$13,262
baseline
▲ 0.50% · 4.625%
HK$13,961
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,524/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,572
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,994
−HK$429/mo
Today · 4.125%
HK$14,423
baseline
▲ 0.50% · 4.625%
HK$15,300
+HK$877/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,846/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,099
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,503
−HK$411/mo
Today · 4.125%
HK$15,914
baseline
▲ 0.50% · 4.625%
HK$16,753
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,828/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,834
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,326
−HK$501/mo
Today · 4.125%
HK$16,827
baseline
▲ 0.50% · 4.625%
HK$17,851
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,654/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,615
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,087
−HK$480/mo
Today · 4.125%
HK$18,567
baseline
▲ 0.50% · 4.625%
HK$19,545
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,134/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,358
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,991
−HK$643/mo
Today · 4.125%
HK$21,634
baseline
▲ 0.50% · 4.625%
HK$22,951
+HK$1,317/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,268/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,648
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,255
−HK$616/mo
Today · 4.125%
HK$23,871
baseline
▲ 0.50% · 4.625%
HK$25,130
+HK$1,259/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,742/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,598 · 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).