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$11,341
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,694
−HK$358/mo
Today · 4.125%
HK$12,052
baseline
▲ 0.50% · 4.625%
HK$12,786
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,104/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,617
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,955
−HK$344/mo
Today · 4.125%
HK$13,299
baseline
▲ 0.50% · 4.625%
HK$14,000
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,598/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,609
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,033
−HK$430/mo
Today · 4.125%
HK$14,463
baseline
▲ 0.50% · 4.625%
HK$15,343
+HK$880/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,926/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,140
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,546
−HK$412/mo
Today · 4.125%
HK$15,958
baseline
▲ 0.50% · 4.625%
HK$16,800
+HK$842/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,916/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,878
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,372
−HK$501/mo
Today · 4.125%
HK$16,873
baseline
▲ 0.50% · 4.625%
HK$17,900
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,746/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,664
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,137
−HK$481/mo
Today · 4.125%
HK$18,618
baseline
▲ 0.50% · 4.625%
HK$19,599
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,236/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,414
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,049
−HK$645/mo
Today · 4.125%
HK$21,694
baseline
▲ 0.50% · 4.625%
HK$23,014
+HK$1,320/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$43,388/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,711
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,320
−HK$617/mo
Today · 4.125%
HK$23,937
baseline
▲ 0.50% · 4.625%
HK$25,199
+HK$1,262/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$47,874/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,908 · 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).