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$11,065
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,409
−HK$350/mo
Today · 4.125%
HK$11,759
baseline
▲ 0.50% · 4.625%
HK$12,475
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,518/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,310
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,640
−HK$335/mo
Today · 4.125%
HK$12,975
baseline
▲ 0.50% · 4.625%
HK$13,659
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,950/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,278
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,691
−HK$420/mo
Today · 4.125%
HK$14,111
baseline
▲ 0.50% · 4.625%
HK$14,969
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,222/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,772
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,168
−HK$402/mo
Today · 4.125%
HK$15,570
baseline
▲ 0.50% · 4.625%
HK$16,391
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,140/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,491
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,973
−HK$490/mo
Today · 4.125%
HK$16,463
baseline
▲ 0.50% · 4.625%
HK$17,464
+HK$1,001/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,926/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,234
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,696
−HK$469/mo
Today · 4.125%
HK$18,165
baseline
▲ 0.50% · 4.625%
HK$19,122
+HK$957/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,330/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,917
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$629/mo
Today · 4.125%
HK$21,166
baseline
▲ 0.50% · 4.625%
HK$22,454
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,332/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,158
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,752
−HK$603/mo
Today · 4.125%
HK$23,355
baseline
▲ 0.50% · 4.625%
HK$24,586
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,710/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,761 · 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).