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$11,112
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,457
−HK$351/mo
Today · 4.125%
HK$11,808
baseline
▲ 0.50% · 4.625%
HK$12,527
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,616/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,361
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,693
−HK$336/mo
Today · 4.125%
HK$13,029
baseline
▲ 0.50% · 4.625%
HK$13,716
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,058/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,334
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,749
−HK$421/mo
Today · 4.125%
HK$14,170
baseline
▲ 0.50% · 4.625%
HK$15,032
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,340/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,834
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,232
−HK$403/mo
Today · 4.125%
HK$15,635
baseline
▲ 0.50% · 4.625%
HK$16,459
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,270/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,556
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,040
−HK$492/mo
Today · 4.125%
HK$16,532
baseline
▲ 0.50% · 4.625%
HK$17,538
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,064/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,306
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,770
−HK$471/mo
Today · 4.125%
HK$18,241
baseline
▲ 0.50% · 4.625%
HK$19,203
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,482/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,001
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,623
−HK$632/mo
Today · 4.125%
HK$21,255
baseline
▲ 0.50% · 4.625%
HK$22,548
+HK$1,293/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$42,510/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,251
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,847
−HK$606/mo
Today · 4.125%
HK$23,453
baseline
▲ 0.50% · 4.625%
HK$24,689
+HK$1,236/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$46,906/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,793 · 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).