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$11,287
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,639
−HK$356/mo
Today · 4.125%
HK$11,995
baseline
▲ 0.50% · 4.625%
HK$12,725
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$23,990/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,557
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,894
−HK$342/mo
Today · 4.125%
HK$13,236
baseline
▲ 0.50% · 4.625%
HK$13,933
+HK$697/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,472/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,545
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$428/mo
Today · 4.125%
HK$14,394
baseline
▲ 0.50% · 4.625%
HK$15,270
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,788/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,069
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,473
−HK$410/mo
Today · 4.125%
HK$15,883
baseline
▲ 0.50% · 4.625%
HK$16,720
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,766/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,802
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,294
−HK$499/mo
Today · 4.125%
HK$16,793
baseline
▲ 0.50% · 4.625%
HK$17,815
+HK$1,022/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,586/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,580
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,052
−HK$478/mo
Today · 4.125%
HK$18,530
baseline
▲ 0.50% · 4.625%
HK$19,507
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,060/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,317
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,949
−HK$643/mo
Today · 4.125%
HK$21,592
baseline
▲ 0.50% · 4.625%
HK$22,905
+HK$1,313/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,184/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,603
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,209
−HK$615/mo
Today · 4.125%
HK$23,824
baseline
▲ 0.50% · 4.625%
HK$25,080
+HK$1,256/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,648/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,377 · 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).