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$10,349
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,670
−HK$328/mo
Today · 4.125%
HK$10,998
baseline
▲ 0.50% · 4.625%
HK$11,667
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,996/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,513
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,821
−HK$314/mo
Today · 4.125%
HK$12,135
baseline
▲ 0.50% · 4.625%
HK$12,774
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,270/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,418
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,805
−HK$392/mo
Today · 4.125%
HK$13,197
baseline
▲ 0.50% · 4.625%
HK$14,000
+HK$803/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$26,394/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,815
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,186
−HK$376/mo
Today · 4.125%
HK$14,562
baseline
▲ 0.50% · 4.625%
HK$15,329
+HK$767/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$29,124/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,488
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,939
−HK$458/mo
Today · 4.125%
HK$15,397
baseline
▲ 0.50% · 4.625%
HK$16,333
+HK$936/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,794/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,118
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,550
−HK$439/mo
Today · 4.125%
HK$16,989
baseline
▲ 0.50% · 4.625%
HK$17,884
+HK$895/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,978/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,627
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,207
−HK$589/mo
Today · 4.125%
HK$19,796
baseline
▲ 0.50% · 4.625%
HK$21,000
+HK$1,204/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,592/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,723
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,279
−HK$563/mo
Today · 4.125%
HK$21,842
baseline
▲ 0.50% · 4.625%
HK$22,994
+HK$1,152/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,684/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,335 · 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).