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$11,028
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,371
−HK$349/mo
Today · 4.125%
HK$11,720
baseline
▲ 0.50% · 4.625%
HK$12,433
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,440/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,269
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,598
−HK$334/mo
Today · 4.125%
HK$12,932
baseline
▲ 0.50% · 4.625%
HK$13,613
+HK$681/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,864/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,234
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,646
−HK$418/mo
Today · 4.125%
HK$14,064
baseline
▲ 0.50% · 4.625%
HK$14,920
+HK$856/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,128/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,723
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,117
−HK$401/mo
Today · 4.125%
HK$15,518
baseline
▲ 0.50% · 4.625%
HK$16,336
+HK$818/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,036/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,440
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,920
−HK$488/mo
Today · 4.125%
HK$16,408
baseline
▲ 0.50% · 4.625%
HK$17,406
+HK$998/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,816/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,176
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,637
−HK$467/mo
Today · 4.125%
HK$18,104
baseline
▲ 0.50% · 4.625%
HK$19,059
+HK$955/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,208/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,851
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,468
−HK$628/mo
Today · 4.125%
HK$21,096
baseline
▲ 0.50% · 4.625%
HK$22,379
+HK$1,283/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$42,192/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,084
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,676
−HK$601/mo
Today · 4.125%
HK$23,277
baseline
▲ 0.50% · 4.625%
HK$24,504
+HK$1,227/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$46,554/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,141 · 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).