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$10,384
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,707
−HK$329/mo
Today · 4.125%
HK$11,036
baseline
▲ 0.50% · 4.625%
HK$11,707
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,072/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,553
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,862
−HK$315/mo
Today · 4.125%
HK$12,177
baseline
▲ 0.50% · 4.625%
HK$12,819
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,354/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,461
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,849
−HK$394/mo
Today · 4.125%
HK$13,243
baseline
▲ 0.50% · 4.625%
HK$14,049
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,486/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,863
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,235
−HK$377/mo
Today · 4.125%
HK$14,612
baseline
▲ 0.50% · 4.625%
HK$15,382
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,224/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,538
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,990
−HK$460/mo
Today · 4.125%
HK$15,450
baseline
▲ 0.50% · 4.625%
HK$16,390
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,900/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,174
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,607
−HK$440/mo
Today · 4.125%
HK$17,047
baseline
▲ 0.50% · 4.625%
HK$17,946
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,094/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,692
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,273
−HK$591/mo
Today · 4.125%
HK$19,864
baseline
▲ 0.50% · 4.625%
HK$21,073
+HK$1,209/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,728/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,795
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,352
−HK$566/mo
Today · 4.125%
HK$21,918
baseline
▲ 0.50% · 4.625%
HK$23,074
+HK$1,156/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,836/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,909 · 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).