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$11,272
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,623
−HK$356/mo
Today · 4.125%
HK$11,979
baseline
▲ 0.50% · 4.625%
HK$12,708
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,958/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,540
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,877
−HK$341/mo
Today · 4.125%
HK$13,218
baseline
▲ 0.50% · 4.625%
HK$13,914
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,436/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,527
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,947
−HK$428/mo
Today · 4.125%
HK$14,375
baseline
▲ 0.50% · 4.625%
HK$15,250
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,750/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,048
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,452
−HK$409/mo
Today · 4.125%
HK$15,861
baseline
▲ 0.50% · 4.625%
HK$16,697
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,722/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,781
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,272
−HK$499/mo
Today · 4.125%
HK$16,771
baseline
▲ 0.50% · 4.625%
HK$17,791
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,542/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,556
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,027
−HK$478/mo
Today · 4.125%
HK$18,505
baseline
▲ 0.50% · 4.625%
HK$19,480
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,010/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,290
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,921
−HK$641/mo
Today · 4.125%
HK$21,562
baseline
▲ 0.50% · 4.625%
HK$22,874
+HK$1,312/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,124/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,572
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,178
−HK$614/mo
Today · 4.125%
HK$23,792
baseline
▲ 0.50% · 4.625%
HK$25,046
+HK$1,254/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,584/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,227 · 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).