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$11,324
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,677
−HK$357/mo
Today · 4.125%
HK$12,034
baseline
▲ 0.50% · 4.625%
HK$12,767
+HK$733/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,068/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,598
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,936
−HK$343/mo
Today · 4.125%
HK$13,279
baseline
▲ 0.50% · 4.625%
HK$13,979
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,558/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,589
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,012
−HK$429/mo
Today · 4.125%
HK$14,441
baseline
▲ 0.50% · 4.625%
HK$15,320
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,882/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,118
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,523
−HK$412/mo
Today · 4.125%
HK$15,935
baseline
▲ 0.50% · 4.625%
HK$16,775
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,870/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,854
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,347
−HK$501/mo
Today · 4.125%
HK$16,848
baseline
▲ 0.50% · 4.625%
HK$17,873
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,696/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,637
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,110
−HK$480/mo
Today · 4.125%
HK$18,590
baseline
▲ 0.50% · 4.625%
HK$19,570
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,180/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,384
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,018
−HK$644/mo
Today · 4.125%
HK$21,662
baseline
▲ 0.50% · 4.625%
HK$22,980
+HK$1,318/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,324/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,677
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,285
−HK$617/mo
Today · 4.125%
HK$23,902
baseline
▲ 0.50% · 4.625%
HK$25,162
+HK$1,260/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,804/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,741 · 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).