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$11,206
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,554
−HK$354/mo
Today · 4.125%
HK$11,908
baseline
▲ 0.50% · 4.625%
HK$12,633
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,816/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,466
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,801
−HK$339/mo
Today · 4.125%
HK$13,140
baseline
▲ 0.50% · 4.625%
HK$13,832
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,280/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,447
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,865
−HK$425/mo
Today · 4.125%
HK$14,290
baseline
▲ 0.50% · 4.625%
HK$15,160
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,580/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,960
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,361
−HK$407/mo
Today · 4.125%
HK$15,768
baseline
▲ 0.50% · 4.625%
HK$16,599
+HK$831/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,536/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,688
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,176
−HK$496/mo
Today · 4.125%
HK$16,672
baseline
▲ 0.50% · 4.625%
HK$17,686
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,344/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,453
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,921
−HK$475/mo
Today · 4.125%
HK$18,396
baseline
▲ 0.50% · 4.625%
HK$19,365
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,792/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,170
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,798
−HK$637/mo
Today · 4.125%
HK$21,435
baseline
▲ 0.50% · 4.625%
HK$22,740
+HK$1,305/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,870/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,439
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,041
−HK$611/mo
Today · 4.125%
HK$23,652
baseline
▲ 0.50% · 4.625%
HK$24,898
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,304/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,927 · 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).