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$11,247
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,597
−HK$355/mo
Today · 4.125%
HK$11,952
baseline
▲ 0.50% · 4.625%
HK$12,680
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,904/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,512
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,848
−HK$340/mo
Today · 4.125%
HK$13,188
baseline
▲ 0.50% · 4.625%
HK$13,883
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,376/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,496
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,916
−HK$427/mo
Today · 4.125%
HK$14,343
baseline
▲ 0.50% · 4.625%
HK$15,216
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,686/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,015
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,417
−HK$409/mo
Today · 4.125%
HK$15,826
baseline
▲ 0.50% · 4.625%
HK$16,660
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,652/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,746
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,236
−HK$497/mo
Today · 4.125%
HK$16,733
baseline
▲ 0.50% · 4.625%
HK$17,751
+HK$1,018/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,466/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,517
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,987
−HK$476/mo
Today · 4.125%
HK$18,463
baseline
▲ 0.50% · 4.625%
HK$19,437
+HK$974/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,926/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,245
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,874
−HK$640/mo
Today · 4.125%
HK$21,514
baseline
▲ 0.50% · 4.625%
HK$22,823
+HK$1,309/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,028/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,522
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,126
−HK$613/mo
Today · 4.125%
HK$23,739
baseline
▲ 0.50% · 4.625%
HK$24,990
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,478/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,736 · 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).