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$11,048
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,391
−HK$350/mo
Today · 4.125%
HK$11,741
baseline
▲ 0.50% · 4.625%
HK$12,455
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,482/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,290
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,620
−HK$335/mo
Today · 4.125%
HK$12,955
baseline
▲ 0.50% · 4.625%
HK$13,637
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,910/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,257
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,670
−HK$419/mo
Today · 4.125%
HK$14,089
baseline
▲ 0.50% · 4.625%
HK$14,946
+HK$857/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,178/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,749
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,144
−HK$401/mo
Today · 4.125%
HK$15,545
baseline
▲ 0.50% · 4.625%
HK$16,365
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,090/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,467
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,948
−HK$489/mo
Today · 4.125%
HK$16,437
baseline
▲ 0.50% · 4.625%
HK$17,437
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,874/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$101,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,207
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,668
−HK$468/mo
Today · 4.125%
HK$18,136
baseline
▲ 0.50% · 4.625%
HK$19,092
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,272/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$101,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,886
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,504
−HK$629/mo
Today · 4.125%
HK$21,133
baseline
▲ 0.50% · 4.625%
HK$22,419
+HK$1,286/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,266/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,123
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,716
−HK$602/mo
Today · 4.125%
HK$23,318
baseline
▲ 0.50% · 4.625%
HK$24,547
+HK$1,229/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,636/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,995 · 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).