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$11,319
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,671
−HK$358/mo
Today · 4.125%
HK$12,029
baseline
▲ 0.50% · 4.625%
HK$12,761
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,058/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,593
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,930
−HK$343/mo
Today · 4.125%
HK$13,273
baseline
▲ 0.50% · 4.625%
HK$13,973
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,546/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,583
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,006
−HK$429/mo
Today · 4.125%
HK$14,435
baseline
▲ 0.50% · 4.625%
HK$15,313
+HK$878/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,870/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,111
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,516
−HK$412/mo
Today · 4.125%
HK$15,928
baseline
▲ 0.50% · 4.625%
HK$16,767
+HK$839/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,856/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,847
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,340
−HK$501/mo
Today · 4.125%
HK$16,841
baseline
▲ 0.50% · 4.625%
HK$17,865
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,682/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,630
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,102
−HK$480/mo
Today · 4.125%
HK$18,582
baseline
▲ 0.50% · 4.625%
HK$19,562
+HK$980/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,164/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,375
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$644/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,970
+HK$1,318/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,667
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,275
−HK$616/mo
Today · 4.125%
HK$23,891
baseline
▲ 0.50% · 4.625%
HK$25,151
+HK$1,260/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,782/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,691 · 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).