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$11,087
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,432
−HK$351/mo
Today · 4.125%
HK$11,783
baseline
▲ 0.50% · 4.625%
HK$12,500
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,566/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,335
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,665
−HK$336/mo
Today · 4.125%
HK$13,001
baseline
▲ 0.50% · 4.625%
HK$13,686
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,002/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,305
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,719
−HK$420/mo
Today · 4.125%
HK$14,139
baseline
▲ 0.50% · 4.625%
HK$14,999
+HK$860/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,278/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,801
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,198
−HK$403/mo
Today · 4.125%
HK$15,601
baseline
▲ 0.50% · 4.625%
HK$16,423
+HK$822/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,202/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,522
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,005
−HK$491/mo
Today · 4.125%
HK$16,496
baseline
▲ 0.50% · 4.625%
HK$17,499
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,992/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,268
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,731
−HK$470/mo
Today · 4.125%
HK$18,201
baseline
▲ 0.50% · 4.625%
HK$19,161
+HK$960/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,402/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,957
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,578
−HK$631/mo
Today · 4.125%
HK$21,209
baseline
▲ 0.50% · 4.625%
HK$22,499
+HK$1,290/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$42,418/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,202
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,798
−HK$604/mo
Today · 4.125%
HK$23,402
baseline
▲ 0.50% · 4.625%
HK$24,635
+HK$1,233/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$46,804/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,732 · 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).