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$11,015
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,358
−HK$348/mo
Today · 4.125%
HK$11,706
baseline
▲ 0.50% · 4.625%
HK$12,418
+HK$712/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,412/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,254
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,583
−HK$333/mo
Today · 4.125%
HK$12,916
baseline
▲ 0.50% · 4.625%
HK$13,597
+HK$681/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,832/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,218
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,629
−HK$418/mo
Today · 4.125%
HK$14,047
baseline
▲ 0.50% · 4.625%
HK$14,901
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,094/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,705
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,099
−HK$400/mo
Today · 4.125%
HK$15,499
baseline
▲ 0.50% · 4.625%
HK$16,316
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,998/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,421
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,901
−HK$487/mo
Today · 4.125%
HK$16,388
baseline
▲ 0.50% · 4.625%
HK$17,385
+HK$997/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,776/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,156
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,616
−HK$466/mo
Today · 4.125%
HK$18,082
baseline
▲ 0.50% · 4.625%
HK$19,036
+HK$954/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,164/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,827
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,444
−HK$626/mo
Today · 4.125%
HK$21,070
baseline
▲ 0.50% · 4.625%
HK$22,352
+HK$1,282/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,140/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,057
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,649
−HK$600/mo
Today · 4.125%
HK$23,249
baseline
▲ 0.50% · 4.625%
HK$24,474
+HK$1,225/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,498/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,556 · 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).