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$11,100
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,445
−HK$351/mo
Today · 4.125%
HK$11,796
baseline
▲ 0.50% · 4.625%
HK$12,514
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,592/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,348
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,680
−HK$336/mo
Today · 4.125%
HK$13,016
baseline
▲ 0.50% · 4.625%
HK$13,702
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,032/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,320
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,734
−HK$421/mo
Today · 4.125%
HK$14,155
baseline
▲ 0.50% · 4.625%
HK$15,016
+HK$861/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,310/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,818
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,215
−HK$404/mo
Today · 4.125%
HK$15,619
baseline
▲ 0.50% · 4.625%
HK$16,442
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,238/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,540
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,023
−HK$491/mo
Today · 4.125%
HK$16,514
baseline
▲ 0.50% · 4.625%
HK$17,519
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,028/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,288
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,751
−HK$471/mo
Today · 4.125%
HK$18,222
baseline
▲ 0.50% · 4.625%
HK$19,182
+HK$960/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,444/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,980
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,601
−HK$632/mo
Today · 4.125%
HK$21,233
baseline
▲ 0.50% · 4.625%
HK$22,524
+HK$1,291/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,466/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,227
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,823
−HK$605/mo
Today · 4.125%
HK$23,428
baseline
▲ 0.50% · 4.625%
HK$24,663
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,856/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,278 · 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).