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$11,350
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,703
−HK$359/mo
Today · 4.125%
HK$12,062
baseline
▲ 0.50% · 4.625%
HK$12,795
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,124/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,627
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,965
−HK$344/mo
Today · 4.125%
HK$13,309
baseline
▲ 0.50% · 4.625%
HK$14,010
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,618/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,620
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,043
−HK$431/mo
Today · 4.125%
HK$14,474
baseline
▲ 0.50% · 4.625%
HK$15,355
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,948/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,152
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,558
−HK$412/mo
Today · 4.125%
HK$15,970
baseline
▲ 0.50% · 4.625%
HK$16,812
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,940/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,890
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,384
−HK$502/mo
Today · 4.125%
HK$16,886
baseline
▲ 0.50% · 4.625%
HK$17,914
+HK$1,028/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,772/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$111,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,677
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,151
−HK$481/mo
Today · 4.125%
HK$18,632
baseline
▲ 0.50% · 4.625%
HK$19,614
+HK$982/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,264/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$111,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,430
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,065
−HK$646/mo
Today · 4.125%
HK$21,711
baseline
▲ 0.50% · 4.625%
HK$23,032
+HK$1,321/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,422/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$111,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,728
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,337
−HK$619/mo
Today · 4.125%
HK$23,956
baseline
▲ 0.50% · 4.625%
HK$25,218
+HK$1,262/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,912/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$111,993 · 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).