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$11,335
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,688
−HK$358/mo
Today · 4.125%
HK$12,046
baseline
▲ 0.50% · 4.625%
HK$12,779
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,092/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,610
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,949
−HK$343/mo
Today · 4.125%
HK$13,292
baseline
▲ 0.50% · 4.625%
HK$13,992
+HK$700/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,584/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,602
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,025
−HK$430/mo
Today · 4.125%
HK$14,455
baseline
▲ 0.50% · 4.625%
HK$15,335
+HK$880/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,910/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,132
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,538
−HK$412/mo
Today · 4.125%
HK$15,950
baseline
▲ 0.50% · 4.625%
HK$16,791
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,900/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,869
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,363
−HK$502/mo
Today · 4.125%
HK$16,865
baseline
▲ 0.50% · 4.625%
HK$17,891
+HK$1,026/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,730/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,655
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,128
−HK$480/mo
Today · 4.125%
HK$18,608
baseline
▲ 0.50% · 4.625%
HK$19,589
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,216/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,403
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,038
−HK$645/mo
Today · 4.125%
HK$21,683
baseline
▲ 0.50% · 4.625%
HK$23,002
+HK$1,319/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,366/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,699
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,307
−HK$618/mo
Today · 4.125%
HK$23,925
baseline
▲ 0.50% · 4.625%
HK$25,186
+HK$1,261/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,850/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,849 · 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).