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$11,290
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,642
−HK$356/mo
Today · 4.125%
HK$11,998
baseline
▲ 0.50% · 4.625%
HK$12,729
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$23,996/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,561
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$342/mo
Today · 4.125%
HK$13,239
baseline
▲ 0.50% · 4.625%
HK$13,937
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,478/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,549
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,970
−HK$428/mo
Today · 4.125%
HK$14,398
baseline
▲ 0.50% · 4.625%
HK$15,274
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,796/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,073
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,477
−HK$410/mo
Today · 4.125%
HK$15,887
baseline
▲ 0.50% · 4.625%
HK$16,724
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,774/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,807
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,298
−HK$500/mo
Today · 4.125%
HK$16,798
baseline
▲ 0.50% · 4.625%
HK$17,820
+HK$1,022/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,596/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,585
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,056
−HK$479/mo
Today · 4.125%
HK$18,535
baseline
▲ 0.50% · 4.625%
HK$19,512
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,070/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,323
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,955
−HK$642/mo
Today · 4.125%
HK$21,597
baseline
▲ 0.50% · 4.625%
HK$22,911
+HK$1,314/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,194/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,609
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,215
−HK$615/mo
Today · 4.125%
HK$23,830
baseline
▲ 0.50% · 4.625%
HK$25,087
+HK$1,257/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,660/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,407 · 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).