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$11,129
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,475
−HK$352/mo
Today · 4.125%
HK$11,827
baseline
▲ 0.50% · 4.625%
HK$12,547
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,654/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,381
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,713
−HK$337/mo
Today · 4.125%
HK$13,050
baseline
▲ 0.50% · 4.625%
HK$13,738
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,100/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,355
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,770
−HK$422/mo
Today · 4.125%
HK$14,192
baseline
▲ 0.50% · 4.625%
HK$15,056
+HK$864/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,384/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,857
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,256
−HK$404/mo
Today · 4.125%
HK$15,660
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,320/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,581
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,065
−HK$493/mo
Today · 4.125%
HK$16,558
baseline
▲ 0.50% · 4.625%
HK$17,565
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,116/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,334
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,798
−HK$472/mo
Today · 4.125%
HK$18,270
baseline
▲ 0.50% · 4.625%
HK$19,233
+HK$963/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,540/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,032
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,656
−HK$633/mo
Today · 4.125%
HK$21,289
baseline
▲ 0.50% · 4.625%
HK$22,584
+HK$1,295/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,578/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,286
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,884
−HK$606/mo
Today · 4.125%
HK$23,490
baseline
▲ 0.50% · 4.625%
HK$24,728
+HK$1,238/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,980/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,567 · 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).