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$10,994
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,336
−HK$348/mo
Today · 4.125%
HK$11,684
baseline
▲ 0.50% · 4.625%
HK$12,395
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,368/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,231
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,559
−HK$333/mo
Today · 4.125%
HK$12,892
baseline
▲ 0.50% · 4.625%
HK$13,571
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,784/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,193
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,603
−HK$417/mo
Today · 4.125%
HK$14,020
baseline
▲ 0.50% · 4.625%
HK$14,874
+HK$854/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,040/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,677
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,071
−HK$399/mo
Today · 4.125%
HK$15,470
baseline
▲ 0.50% · 4.625%
HK$16,286
+HK$816/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,940/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,392
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,871
−HK$486/mo
Today · 4.125%
HK$16,357
baseline
▲ 0.50% · 4.625%
HK$17,352
+HK$995/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,714/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,123
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,583
−HK$466/mo
Today · 4.125%
HK$18,049
baseline
▲ 0.50% · 4.625%
HK$19,000
+HK$951/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,098/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,790
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,405
−HK$626/mo
Today · 4.125%
HK$21,031
baseline
▲ 0.50% · 4.625%
HK$22,310
+HK$1,279/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,062/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,016
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,606
−HK$599/mo
Today · 4.125%
HK$23,205
baseline
▲ 0.50% · 4.625%
HK$24,428
+HK$1,223/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,410/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,650 · 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).