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$10,556
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,884
−HK$334/mo
Today · 4.125%
HK$11,218
baseline
▲ 0.50% · 4.625%
HK$11,900
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,436/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,743
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,058
−HK$320/mo
Today · 4.125%
HK$12,378
baseline
▲ 0.50% · 4.625%
HK$13,030
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,756/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,667
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,061
−HK$400/mo
Today · 4.125%
HK$13,461
baseline
▲ 0.50% · 4.625%
HK$14,280
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,922/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,092
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,470
−HK$383/mo
Today · 4.125%
HK$14,853
baseline
▲ 0.50% · 4.625%
HK$15,636
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,706/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,778
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,238
−HK$467/mo
Today · 4.125%
HK$15,705
baseline
▲ 0.50% · 4.625%
HK$16,660
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,410/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,440
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,881
−HK$448/mo
Today · 4.125%
HK$17,329
baseline
▲ 0.50% · 4.625%
HK$18,242
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,658/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,000
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,591
−HK$601/mo
Today · 4.125%
HK$20,192
baseline
▲ 0.50% · 4.625%
HK$21,420
+HK$1,228/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,384/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,138
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,705
−HK$575/mo
Today · 4.125%
HK$22,280
baseline
▲ 0.50% · 4.625%
HK$23,454
+HK$1,174/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,560/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,419 · 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).