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$11,277
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,628
−HK$356/mo
Today · 4.125%
HK$11,984
baseline
▲ 0.50% · 4.625%
HK$12,713
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,968/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,545
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,882
−HK$341/mo
Today · 4.125%
HK$13,223
baseline
▲ 0.50% · 4.625%
HK$13,920
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,446/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,532
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,953
−HK$428/mo
Today · 4.125%
HK$14,381
baseline
▲ 0.50% · 4.625%
HK$15,256
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,762/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,054
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,458
−HK$410/mo
Today · 4.125%
HK$15,868
baseline
▲ 0.50% · 4.625%
HK$16,704
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,736/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,788
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,279
−HK$499/mo
Today · 4.125%
HK$16,778
baseline
▲ 0.50% · 4.625%
HK$17,799
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,556/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,564
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,035
−HK$477/mo
Today · 4.125%
HK$18,512
baseline
▲ 0.50% · 4.625%
HK$19,488
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,024/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,298
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,930
−HK$641/mo
Today · 4.125%
HK$21,571
baseline
▲ 0.50% · 4.625%
HK$22,884
+HK$1,313/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,142/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,582
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,187
−HK$615/mo
Today · 4.125%
HK$23,802
baseline
▲ 0.50% · 4.625%
HK$25,056
+HK$1,254/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,604/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,273 · 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).