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$11,108
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,453
−HK$351/mo
Today · 4.125%
HK$11,804
baseline
▲ 0.50% · 4.625%
HK$12,522
+HK$718/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,608/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,357
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,689
−HK$336/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,711
+HK$686/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,050/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,329
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,744
−HK$421/mo
Today · 4.125%
HK$14,165
baseline
▲ 0.50% · 4.625%
HK$15,027
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,330/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,829
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,226
−HK$404/mo
Today · 4.125%
HK$15,630
baseline
▲ 0.50% · 4.625%
HK$16,454
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,260/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,551
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,034
−HK$492/mo
Today · 4.125%
HK$16,526
baseline
▲ 0.50% · 4.625%
HK$17,531
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,052/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,300
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,764
−HK$471/mo
Today · 4.125%
HK$18,235
baseline
▲ 0.50% · 4.625%
HK$19,196
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,470/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,994
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$632/mo
Today · 4.125%
HK$21,248
baseline
▲ 0.50% · 4.625%
HK$22,540
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,496/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,243
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,839
−HK$606/mo
Today · 4.125%
HK$23,445
baseline
▲ 0.50% · 4.625%
HK$24,680
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,890/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,623 · 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).