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$10,991
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,333
−HK$347/mo
Today · 4.125%
HK$11,680
baseline
▲ 0.50% · 4.625%
HK$12,391
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,360/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,227
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,555
−HK$333/mo
Today · 4.125%
HK$12,888
baseline
▲ 0.50% · 4.625%
HK$13,567
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,776/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,189
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,599
−HK$417/mo
Today · 4.125%
HK$14,016
baseline
▲ 0.50% · 4.625%
HK$14,869
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,032/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,673
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,066
−HK$399/mo
Today · 4.125%
HK$15,465
baseline
▲ 0.50% · 4.625%
HK$16,281
+HK$816/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,930/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,387
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,866
−HK$486/mo
Today · 4.125%
HK$16,352
baseline
▲ 0.50% · 4.625%
HK$17,347
+HK$995/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$32,704/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,118
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,577
−HK$466/mo
Today · 4.125%
HK$18,043
baseline
▲ 0.50% · 4.625%
HK$18,994
+HK$951/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$36,086/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,784
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,399
−HK$625/mo
Today · 4.125%
HK$21,024
baseline
▲ 0.50% · 4.625%
HK$22,303
+HK$1,279/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,048/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,009
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,599
−HK$599/mo
Today · 4.125%
HK$23,198
baseline
▲ 0.50% · 4.625%
HK$24,421
+HK$1,223/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,396/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,503 · 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).