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$11,172
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,520
−HK$353/mo
Today · 4.125%
HK$11,873
baseline
▲ 0.50% · 4.625%
HK$12,595
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,746/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,429
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,762
−HK$338/mo
Today · 4.125%
HK$13,100
baseline
▲ 0.50% · 4.625%
HK$13,791
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,200/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,406
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,823
−HK$424/mo
Today · 4.125%
HK$14,247
baseline
▲ 0.50% · 4.625%
HK$15,114
+HK$867/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,494/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,915
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,315
−HK$405/mo
Today · 4.125%
HK$15,720
baseline
▲ 0.50% · 4.625%
HK$16,549
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,440/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,641
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,127
−HK$495/mo
Today · 4.125%
HK$16,622
baseline
▲ 0.50% · 4.625%
HK$17,633
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,244/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,400
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,867
−HK$473/mo
Today · 4.125%
HK$18,340
baseline
▲ 0.50% · 4.625%
HK$19,307
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,680/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,110
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,735
−HK$636/mo
Today · 4.125%
HK$21,371
baseline
▲ 0.50% · 4.625%
HK$22,671
+HK$1,300/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,742/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,372
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,972
−HK$608/mo
Today · 4.125%
HK$23,580
baseline
▲ 0.50% · 4.625%
HK$24,823
+HK$1,243/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,160/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,447 · 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).