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$10,589
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$334/mo
Today · 4.125%
HK$11,253
baseline
▲ 0.50% · 4.625%
HK$11,938
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,506/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,781
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,097
−HK$320/mo
Today · 4.125%
HK$12,417
baseline
▲ 0.50% · 4.625%
HK$13,072
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,834/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,707
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,103
−HK$401/mo
Today · 4.125%
HK$13,504
baseline
▲ 0.50% · 4.625%
HK$14,326
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,008/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,137
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,516
−HK$385/mo
Today · 4.125%
HK$14,901
baseline
▲ 0.50% · 4.625%
HK$15,686
+HK$785/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,802/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,825
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,286
−HK$469/mo
Today · 4.125%
HK$15,755
baseline
▲ 0.50% · 4.625%
HK$16,714
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,510/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$81,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,493
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,935
−HK$449/mo
Today · 4.125%
HK$17,384
baseline
▲ 0.50% · 4.625%
HK$18,300
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,768/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$81,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,061
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,654
−HK$602/mo
Today · 4.125%
HK$20,256
baseline
▲ 0.50% · 4.625%
HK$21,489
+HK$1,233/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,512/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,205
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,774
−HK$577/mo
Today · 4.125%
HK$22,351
baseline
▲ 0.50% · 4.625%
HK$23,529
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,702/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,898 · 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).