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$11,339
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,691
−HK$359/mo
Today · 4.125%
HK$12,050
baseline
▲ 0.50% · 4.625%
HK$12,783
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,100/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,614
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$344/mo
Today · 4.125%
HK$13,296
baseline
▲ 0.50% · 4.625%
HK$13,996
+HK$700/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,592/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,606
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,030
−HK$430/mo
Today · 4.125%
HK$14,460
baseline
▲ 0.50% · 4.625%
HK$15,339
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,920/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,137
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,543
−HK$412/mo
Today · 4.125%
HK$15,955
baseline
▲ 0.50% · 4.625%
HK$16,796
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,910/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,874
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,368
−HK$502/mo
Today · 4.125%
HK$16,870
baseline
▲ 0.50% · 4.625%
HK$17,896
+HK$1,026/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,740/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,660
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,133
−HK$481/mo
Today · 4.125%
HK$18,614
baseline
▲ 0.50% · 4.625%
HK$19,595
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,228/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,410
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,044
−HK$645/mo
Today · 4.125%
HK$21,689
baseline
▲ 0.50% · 4.625%
HK$23,009
+HK$1,320/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$43,378/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,705
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,314
−HK$618/mo
Today · 4.125%
HK$23,932
baseline
▲ 0.50% · 4.625%
HK$25,194
+HK$1,262/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$47,864/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,882 · 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).