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$11,075
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,420
−HK$350/mo
Today · 4.125%
HK$11,770
baseline
▲ 0.50% · 4.625%
HK$12,486
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,540/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,321
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,651
−HK$336/mo
Today · 4.125%
HK$12,987
baseline
▲ 0.50% · 4.625%
HK$13,671
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,974/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,290
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,704
−HK$420/mo
Today · 4.125%
HK$14,124
baseline
▲ 0.50% · 4.625%
HK$14,983
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,248/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,785
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,182
−HK$402/mo
Today · 4.125%
HK$15,584
baseline
▲ 0.50% · 4.625%
HK$16,406
+HK$822/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,168/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,505
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,988
−HK$490/mo
Today · 4.125%
HK$16,478
baseline
▲ 0.50% · 4.625%
HK$17,480
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,956/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,249
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,712
−HK$469/mo
Today · 4.125%
HK$18,181
baseline
▲ 0.50% · 4.625%
HK$19,140
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,362/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,935
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,555
−HK$630/mo
Today · 4.125%
HK$21,185
baseline
▲ 0.50% · 4.625%
HK$22,475
+HK$1,290/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,370/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,178
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,773
−HK$603/mo
Today · 4.125%
HK$23,376
baseline
▲ 0.50% · 4.625%
HK$24,608
+HK$1,232/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,752/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,200 · 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).