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$10,874
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,212
−HK$344/mo
Today · 4.125%
HK$11,556
baseline
▲ 0.50% · 4.625%
HK$12,259
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,112/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,097
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,422
−HK$329/mo
Today · 4.125%
HK$12,751
baseline
▲ 0.50% · 4.625%
HK$13,423
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,502/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,049
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,455
−HK$412/mo
Today · 4.125%
HK$13,867
baseline
▲ 0.50% · 4.625%
HK$14,711
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,734/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,517
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,906
−HK$395/mo
Today · 4.125%
HK$15,301
baseline
▲ 0.50% · 4.625%
HK$16,107
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,602/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,224
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,697
−HK$481/mo
Today · 4.125%
HK$16,178
baseline
▲ 0.50% · 4.625%
HK$17,163
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,356/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,936
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,390
−HK$461/mo
Today · 4.125%
HK$17,851
baseline
▲ 0.50% · 4.625%
HK$18,792
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,702/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,573
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,182
−HK$619/mo
Today · 4.125%
HK$20,801
baseline
▲ 0.50% · 4.625%
HK$22,066
+HK$1,265/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,602/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,775
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$592/mo
Today · 4.125%
HK$22,951
baseline
▲ 0.50% · 4.625%
HK$24,161
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,902/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,374 · 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).