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$10,919
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,258
−HK$345/mo
Today · 4.125%
HK$11,603
baseline
▲ 0.50% · 4.625%
HK$12,309
+HK$706/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,206/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,147
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,473
−HK$330/mo
Today · 4.125%
HK$12,803
baseline
▲ 0.50% · 4.625%
HK$13,478
+HK$675/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,606/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,102
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,510
−HK$414/mo
Today · 4.125%
HK$13,924
baseline
▲ 0.50% · 4.625%
HK$14,771
+HK$847/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$27,848/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,576
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,967
−HK$397/mo
Today · 4.125%
HK$15,364
baseline
▲ 0.50% · 4.625%
HK$16,173
+HK$809/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$30,728/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,286
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,761
−HK$484/mo
Today · 4.125%
HK$16,245
baseline
▲ 0.50% · 4.625%
HK$17,233
+HK$988/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,490/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,006
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,462
−HK$462/mo
Today · 4.125%
HK$17,924
baseline
▲ 0.50% · 4.625%
HK$18,869
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,848/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,653
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,265
−HK$621/mo
Today · 4.125%
HK$20,886
baseline
▲ 0.50% · 4.625%
HK$22,157
+HK$1,271/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,772/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,864
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,451
−HK$594/mo
Today · 4.125%
HK$23,045
baseline
▲ 0.50% · 4.625%
HK$24,260
+HK$1,215/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,090/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$96,331 · 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).