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$10,501
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,828
−HK$332/mo
Today · 4.125%
HK$11,160
baseline
▲ 0.50% · 4.625%
HK$11,839
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,320/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,682
−HK$632/mo
▼ 0.25% · 3.875%
HK$11,996
−HK$318/mo
Today · 4.125%
HK$12,314
baseline
▲ 0.50% · 4.625%
HK$12,963
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,628/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,601
−HK$791/mo
▼ 0.25% · 3.875%
HK$12,993
−HK$399/mo
Today · 4.125%
HK$13,392
baseline
▲ 0.50% · 4.625%
HK$14,206
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,784/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,019
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,395
−HK$381/mo
Today · 4.125%
HK$14,776
baseline
▲ 0.50% · 4.625%
HK$15,555
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,552/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,702
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,159
−HK$464/mo
Today · 4.125%
HK$15,623
baseline
▲ 0.50% · 4.625%
HK$16,574
+HK$951/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,246/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,355
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,794
−HK$445/mo
Today · 4.125%
HK$17,239
baseline
▲ 0.50% · 4.625%
HK$18,148
+HK$909/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,478/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,902
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,490
−HK$597/mo
Today · 4.125%
HK$20,087
baseline
▲ 0.50% · 4.625%
HK$21,310
+HK$1,223/mo
Deposit HK$461K · loan HK$4.14M · min. income ≈ HK$40,174/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,028
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,592
−HK$572/mo
Today · 4.125%
HK$22,164
baseline
▲ 0.50% · 4.625%
HK$23,333
+HK$1,169/mo
Deposit HK$461K · loan HK$4.14M · min. income ≈ HK$44,328/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,024 · 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).