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$11,204
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,553
−HK$354/mo
Today · 4.125%
HK$11,907
baseline
▲ 0.50% · 4.625%
HK$12,632
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,814/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,465
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,799
−HK$339/mo
Today · 4.125%
HK$13,138
baseline
▲ 0.50% · 4.625%
HK$13,831
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,276/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,445
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,864
−HK$425/mo
Today · 4.125%
HK$14,289
baseline
▲ 0.50% · 4.625%
HK$15,158
+HK$869/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,578/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,958
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,359
−HK$407/mo
Today · 4.125%
HK$15,766
baseline
▲ 0.50% · 4.625%
HK$16,597
+HK$831/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,532/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,686
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,174
−HK$496/mo
Today · 4.125%
HK$16,670
baseline
▲ 0.50% · 4.625%
HK$17,684
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,340/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,451
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,919
−HK$475/mo
Today · 4.125%
HK$18,394
baseline
▲ 0.50% · 4.625%
HK$19,363
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,788/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,168
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,795
−HK$638/mo
Today · 4.125%
HK$21,433
baseline
▲ 0.50% · 4.625%
HK$22,737
+HK$1,304/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,866/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,437
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,039
−HK$610/mo
Today · 4.125%
HK$23,649
baseline
▲ 0.50% · 4.625%
HK$24,896
+HK$1,247/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,298/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,870 · 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).