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$11,186
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,534
−HK$353/mo
Today · 4.125%
HK$11,887
baseline
▲ 0.50% · 4.625%
HK$12,611
+HK$724/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,774/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,444
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,778
−HK$338/mo
Today · 4.125%
HK$13,116
baseline
▲ 0.50% · 4.625%
HK$13,808
+HK$692/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,232/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,423
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,841
−HK$424/mo
Today · 4.125%
HK$14,265
baseline
▲ 0.50% · 4.625%
HK$15,133
+HK$868/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,530/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,933
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,334
−HK$406/mo
Today · 4.125%
HK$15,740
baseline
▲ 0.50% · 4.625%
HK$16,569
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,480/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,660
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,147
−HK$495/mo
Today · 4.125%
HK$16,642
baseline
▲ 0.50% · 4.625%
HK$17,655
+HK$1,013/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,284/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,422
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,889
−HK$474/mo
Today · 4.125%
HK$18,363
baseline
▲ 0.50% · 4.625%
HK$19,331
+HK$968/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,726/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,135
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,761
−HK$636/mo
Today · 4.125%
HK$21,397
baseline
▲ 0.50% · 4.625%
HK$22,699
+HK$1,302/mo
Deposit HK$491K · loan HK$4.41M · min. income ≈ HK$42,794/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,400
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,000
−HK$610/mo
Today · 4.125%
HK$23,610
baseline
▲ 0.50% · 4.625%
HK$24,854
+HK$1,244/mo
Deposit HK$491K · loan HK$4.41M · min. income ≈ HK$47,220/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,054 · 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).