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$11,017
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,360
−HK$348/mo
Today · 4.125%
HK$11,708
baseline
▲ 0.50% · 4.625%
HK$12,421
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,416/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,257
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,585
−HK$334/mo
Today · 4.125%
HK$12,919
baseline
▲ 0.50% · 4.625%
HK$13,600
+HK$681/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,838/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,221
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,632
−HK$418/mo
Today · 4.125%
HK$14,050
baseline
▲ 0.50% · 4.625%
HK$14,905
+HK$855/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,100/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,708
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,103
−HK$400/mo
Today · 4.125%
HK$15,503
baseline
▲ 0.50% · 4.625%
HK$16,320
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,006/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,424
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,904
−HK$488/mo
Today · 4.125%
HK$16,392
baseline
▲ 0.50% · 4.625%
HK$17,389
+HK$997/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,784/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,159
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,620
−HK$467/mo
Today · 4.125%
HK$18,087
baseline
▲ 0.50% · 4.625%
HK$19,040
+HK$953/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,174/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,831
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,448
−HK$627/mo
Today · 4.125%
HK$21,075
baseline
▲ 0.50% · 4.625%
HK$22,357
+HK$1,282/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,150/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,062
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,654
−HK$600/mo
Today · 4.125%
HK$23,254
baseline
▲ 0.50% · 4.625%
HK$24,480
+HK$1,226/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,508/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,665 · 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).