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$10,836
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,173
−HK$342/mo
Today · 4.125%
HK$11,515
baseline
▲ 0.50% · 4.625%
HK$12,216
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,030/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,055
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,378
−HK$328/mo
Today · 4.125%
HK$12,706
baseline
▲ 0.50% · 4.625%
HK$13,376
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,412/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,003
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,408
−HK$411/mo
Today · 4.125%
HK$13,819
baseline
▲ 0.50% · 4.625%
HK$14,659
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,638/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,466
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,854
−HK$393/mo
Today · 4.125%
HK$15,247
baseline
▲ 0.50% · 4.625%
HK$16,051
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,494/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,170
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,642
−HK$480/mo
Today · 4.125%
HK$16,122
baseline
▲ 0.50% · 4.625%
HK$17,103
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,244/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,877
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,329
−HK$460/mo
Today · 4.125%
HK$17,789
baseline
▲ 0.50% · 4.625%
HK$18,726
+HK$937/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,578/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,505
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,111
−HK$617/mo
Today · 4.125%
HK$20,728
baseline
▲ 0.50% · 4.625%
HK$21,989
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,456/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,699
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,281
−HK$590/mo
Today · 4.125%
HK$22,871
baseline
▲ 0.50% · 4.625%
HK$24,077
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,742/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,708 · 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).