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$10,524
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,851
−HK$333/mo
Today · 4.125%
HK$11,184
baseline
▲ 0.50% · 4.625%
HK$11,864
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,368/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,708
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,022
−HK$318/mo
Today · 4.125%
HK$12,340
baseline
▲ 0.50% · 4.625%
HK$12,991
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,680/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,629
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,021
−HK$400/mo
Today · 4.125%
HK$13,421
baseline
▲ 0.50% · 4.625%
HK$14,237
+HK$816/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,842/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,049
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,426
−HK$382/mo
Today · 4.125%
HK$14,808
baseline
▲ 0.50% · 4.625%
HK$15,589
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,616/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,733
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,192
−HK$465/mo
Today · 4.125%
HK$15,657
baseline
▲ 0.50% · 4.625%
HK$16,610
+HK$953/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,314/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,391
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,830
−HK$446/mo
Today · 4.125%
HK$17,276
baseline
▲ 0.50% · 4.625%
HK$18,187
+HK$911/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,552/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,943
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,532
−HK$599/mo
Today · 4.125%
HK$20,131
baseline
▲ 0.50% · 4.625%
HK$21,356
+HK$1,225/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$40,262/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,074
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,639
−HK$573/mo
Today · 4.125%
HK$22,212
baseline
▲ 0.50% · 4.625%
HK$23,383
+HK$1,171/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$44,424/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,022 · 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).