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$11,001
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,343
−HK$348/mo
Today · 4.125%
HK$11,691
baseline
▲ 0.50% · 4.625%
HK$12,402
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,382/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,238
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,566
−HK$333/mo
Today · 4.125%
HK$12,899
baseline
▲ 0.50% · 4.625%
HK$13,579
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,798/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,201
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,611
−HK$418/mo
Today · 4.125%
HK$14,029
baseline
▲ 0.50% · 4.625%
HK$14,882
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,058/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,686
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,080
−HK$399/mo
Today · 4.125%
HK$15,479
baseline
▲ 0.50% · 4.625%
HK$16,295
+HK$816/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,958/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,401
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,880
−HK$487/mo
Today · 4.125%
HK$16,367
baseline
▲ 0.50% · 4.625%
HK$17,363
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,734/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,133
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,593
−HK$466/mo
Today · 4.125%
HK$18,059
baseline
▲ 0.50% · 4.625%
HK$19,011
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,118/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,801
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,417
−HK$626/mo
Today · 4.125%
HK$21,043
baseline
▲ 0.50% · 4.625%
HK$22,323
+HK$1,280/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,086/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,029
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,620
−HK$599/mo
Today · 4.125%
HK$23,219
baseline
▲ 0.50% · 4.625%
HK$24,443
+HK$1,224/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,438/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,934 · 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).