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$11,661
−HK$358/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$111,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,582
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,919
−HK$342/mo
Today · 4.125%
HK$13,261
baseline
▲ 0.50% · 4.625%
HK$13,961
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,522/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,571
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,994
−HK$428/mo
Today · 4.125%
HK$14,422
baseline
▲ 0.50% · 4.625%
HK$15,300
+HK$878/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,844/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,098
−HK$816/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$111,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,833
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,326
−HK$500/mo
Today · 4.125%
HK$16,826
baseline
▲ 0.50% · 4.625%
HK$17,850
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,652/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,614
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,087
−HK$479/mo
Today · 4.125%
HK$18,566
baseline
▲ 0.50% · 4.625%
HK$19,545
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,132/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,357
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,990
−HK$644/mo
Today · 4.125%
HK$21,634
baseline
▲ 0.50% · 4.625%
HK$22,950
+HK$1,316/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$111,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,647
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,254
−HK$617/mo
Today · 4.125%
HK$23,871
baseline
▲ 0.50% · 4.625%
HK$25,129
+HK$1,258/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$111,595 · 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).