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$11,235
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,584
−HK$355/mo
Today · 4.125%
HK$11,939
baseline
▲ 0.50% · 4.625%
HK$12,666
+HK$727/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,878/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,499
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,834
−HK$340/mo
Today · 4.125%
HK$13,174
baseline
▲ 0.50% · 4.625%
HK$13,868
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,348/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,482
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,901
−HK$426/mo
Today · 4.125%
HK$14,327
baseline
▲ 0.50% · 4.625%
HK$15,199
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,654/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,999
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,401
−HK$408/mo
Today · 4.125%
HK$15,809
baseline
▲ 0.50% · 4.625%
HK$16,642
+HK$833/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,618/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,729
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,218
−HK$497/mo
Today · 4.125%
HK$16,715
baseline
▲ 0.50% · 4.625%
HK$17,732
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,430/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,498
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,968
−HK$476/mo
Today · 4.125%
HK$18,444
baseline
▲ 0.50% · 4.625%
HK$19,416
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,888/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,223
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,852
−HK$639/mo
Today · 4.125%
HK$21,491
baseline
▲ 0.50% · 4.625%
HK$22,799
+HK$1,308/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$42,982/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,498
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,101
−HK$612/mo
Today · 4.125%
HK$23,713
baseline
▲ 0.50% · 4.625%
HK$24,963
+HK$1,250/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$47,426/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,205 · 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).