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$10,974
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$347/mo
Today · 4.125%
HK$11,662
baseline
▲ 0.50% · 4.625%
HK$12,372
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,324/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,208
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,536
−HK$332/mo
Today · 4.125%
HK$12,868
baseline
▲ 0.50% · 4.625%
HK$13,546
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,736/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,169
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,578
−HK$416/mo
Today · 4.125%
HK$13,994
baseline
▲ 0.50% · 4.625%
HK$14,846
+HK$852/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$27,988/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,650
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,043
−HK$398/mo
Today · 4.125%
HK$15,441
baseline
▲ 0.50% · 4.625%
HK$16,255
+HK$814/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,882/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,363
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,841
−HK$486/mo
Today · 4.125%
HK$16,327
baseline
▲ 0.50% · 4.625%
HK$17,320
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,654/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,092
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,550
−HK$465/mo
Today · 4.125%
HK$18,015
baseline
▲ 0.50% · 4.625%
HK$18,965
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,030/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,753
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,367
−HK$625/mo
Today · 4.125%
HK$20,992
baseline
▲ 0.50% · 4.625%
HK$22,269
+HK$1,277/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,984/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,975
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,564
−HK$598/mo
Today · 4.125%
HK$23,162
baseline
▲ 0.50% · 4.625%
HK$24,383
+HK$1,221/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,324/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,757 · 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).