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$10,617
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,947
−HK$336/mo
Today · 4.125%
HK$11,283
baseline
▲ 0.50% · 4.625%
HK$11,969
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,566/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,811
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,128
−HK$321/mo
Today · 4.125%
HK$12,449
baseline
▲ 0.50% · 4.625%
HK$13,106
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,898/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,740
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,137
−HK$402/mo
Today · 4.125%
HK$13,539
baseline
▲ 0.50% · 4.625%
HK$14,363
+HK$824/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,078/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,174
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,554
−HK$385/mo
Today · 4.125%
HK$14,939
baseline
▲ 0.50% · 4.625%
HK$15,727
+HK$788/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,878/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,864
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,326
−HK$470/mo
Today · 4.125%
HK$15,796
baseline
▲ 0.50% · 4.625%
HK$16,757
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,592/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,536
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,979
−HK$450/mo
Today · 4.125%
HK$17,429
baseline
▲ 0.50% · 4.625%
HK$18,348
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,858/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,111
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,705
−HK$604/mo
Today · 4.125%
HK$20,309
baseline
▲ 0.50% · 4.625%
HK$21,545
+HK$1,236/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,618/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,260
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,831
−HK$578/mo
Today · 4.125%
HK$22,409
baseline
▲ 0.50% · 4.625%
HK$23,590
+HK$1,181/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,818/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,108 · 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).