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$10,524
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,852
−HK$332/mo
Today · 4.125%
HK$11,184
baseline
▲ 0.50% · 4.625%
HK$11,865
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,368/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,708
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,022
−HK$319/mo
Today · 4.125%
HK$12,341
baseline
▲ 0.50% · 4.625%
HK$12,991
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,682/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,629
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,022
−HK$399/mo
Today · 4.125%
HK$13,421
baseline
▲ 0.50% · 4.625%
HK$14,238
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,842/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,050
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,427
−HK$382/mo
Today · 4.125%
HK$14,809
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,618/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,734
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,192
−HK$466/mo
Today · 4.125%
HK$15,658
baseline
▲ 0.50% · 4.625%
HK$16,611
+HK$953/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,316/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,391
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,831
−HK$446/mo
Today · 4.125%
HK$17,277
baseline
▲ 0.50% · 4.625%
HK$18,188
+HK$911/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,554/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,944
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,533
−HK$599/mo
Today · 4.125%
HK$20,132
baseline
▲ 0.50% · 4.625%
HK$21,357
+HK$1,225/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$40,264/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,075
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,640
−HK$573/mo
Today · 4.125%
HK$22,213
baseline
▲ 0.50% · 4.625%
HK$23,384
+HK$1,171/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$44,426/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,042 · 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).