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$11,230
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,579
−HK$355/mo
Today · 4.125%
HK$11,934
baseline
▲ 0.50% · 4.625%
HK$12,660
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,868/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,493
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,828
−HK$340/mo
Today · 4.125%
HK$13,168
baseline
▲ 0.50% · 4.625%
HK$13,862
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,336/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,476
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,895
−HK$426/mo
Today · 4.125%
HK$14,321
baseline
▲ 0.50% · 4.625%
HK$15,193
+HK$872/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,642/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,992
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,394
−HK$408/mo
Today · 4.125%
HK$15,802
baseline
▲ 0.50% · 4.625%
HK$16,635
+HK$833/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,604/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,722
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,211
−HK$497/mo
Today · 4.125%
HK$16,708
baseline
▲ 0.50% · 4.625%
HK$17,725
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,416/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,491
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,960
−HK$476/mo
Today · 4.125%
HK$18,436
baseline
▲ 0.50% · 4.625%
HK$19,407
+HK$971/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,872/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,214
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,843
−HK$639/mo
Today · 4.125%
HK$21,482
baseline
▲ 0.50% · 4.625%
HK$22,789
+HK$1,307/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,964/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,488
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,091
−HK$612/mo
Today · 4.125%
HK$23,703
baseline
▲ 0.50% · 4.625%
HK$24,952
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,406/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,993 · 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).