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$11,000
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,342
−HK$348/mo
Today · 4.125%
HK$11,690
baseline
▲ 0.50% · 4.625%
HK$12,401
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,380/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,237
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,565
−HK$333/mo
Today · 4.125%
HK$12,898
baseline
▲ 0.50% · 4.625%
HK$13,578
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,796/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,200
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,610
−HK$418/mo
Today · 4.125%
HK$14,028
baseline
▲ 0.50% · 4.625%
HK$14,881
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,056/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,685
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,079
−HK$399/mo
Today · 4.125%
HK$15,478
baseline
▲ 0.50% · 4.625%
HK$16,294
+HK$816/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,956/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,400
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,879
−HK$487/mo
Today · 4.125%
HK$16,366
baseline
▲ 0.50% · 4.625%
HK$17,361
+HK$995/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,732/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,132
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,592
−HK$466/mo
Today · 4.125%
HK$18,058
baseline
▲ 0.50% · 4.625%
HK$19,010
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,116/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,800
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,416
−HK$625/mo
Today · 4.125%
HK$21,041
baseline
▲ 0.50% · 4.625%
HK$22,322
+HK$1,281/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,082/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,027
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,618
−HK$599/mo
Today · 4.125%
HK$23,217
baseline
▲ 0.50% · 4.625%
HK$24,441
+HK$1,224/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,434/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,897 · 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).