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$11,016
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,359
−HK$348/mo
Today · 4.125%
HK$11,707
baseline
▲ 0.50% · 4.625%
HK$12,419
+HK$712/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,414/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,255
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,584
−HK$334/mo
Today · 4.125%
HK$12,918
baseline
▲ 0.50% · 4.625%
HK$13,598
+HK$680/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,836/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,219
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,631
−HK$417/mo
Today · 4.125%
HK$14,048
baseline
▲ 0.50% · 4.625%
HK$14,903
+HK$855/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,096/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,706
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,101
−HK$400/mo
Today · 4.125%
HK$15,501
baseline
▲ 0.50% · 4.625%
HK$16,318
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,002/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,423
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,902
−HK$488/mo
Today · 4.125%
HK$16,390
baseline
▲ 0.50% · 4.625%
HK$17,387
+HK$997/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,780/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,158
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,618
−HK$467/mo
Today · 4.125%
HK$18,085
baseline
▲ 0.50% · 4.625%
HK$19,038
+HK$953/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,170/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,829
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,446
−HK$627/mo
Today · 4.125%
HK$21,073
baseline
▲ 0.50% · 4.625%
HK$22,355
+HK$1,282/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,146/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,060
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,651
−HK$601/mo
Today · 4.125%
HK$23,252
baseline
▲ 0.50% · 4.625%
HK$24,477
+HK$1,225/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,504/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,612 · 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).