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$11,236
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,586
−HK$355/mo
Today · 4.125%
HK$11,941
baseline
▲ 0.50% · 4.625%
HK$12,667
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,882/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,500
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,835
−HK$341/mo
Today · 4.125%
HK$13,176
baseline
▲ 0.50% · 4.625%
HK$13,870
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,352/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,484
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,903
−HK$426/mo
Today · 4.125%
HK$14,329
baseline
▲ 0.50% · 4.625%
HK$15,201
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,658/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,000
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,403
−HK$408/mo
Today · 4.125%
HK$15,811
baseline
▲ 0.50% · 4.625%
HK$16,644
+HK$833/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,622/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,731
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,220
−HK$497/mo
Today · 4.125%
HK$16,717
baseline
▲ 0.50% · 4.625%
HK$17,734
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,434/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,500
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,970
−HK$476/mo
Today · 4.125%
HK$18,446
baseline
▲ 0.50% · 4.625%
HK$19,418
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,892/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,225
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,854
−HK$640/mo
Today · 4.125%
HK$21,494
baseline
▲ 0.50% · 4.625%
HK$22,801
+HK$1,307/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$42,988/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,500
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,104
−HK$612/mo
Today · 4.125%
HK$23,716
baseline
▲ 0.50% · 4.625%
HK$24,966
+HK$1,250/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$47,432/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,264 · 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).