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$10,384
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,707
−HK$328/mo
Today · 4.125%
HK$11,035
baseline
▲ 0.50% · 4.625%
HK$11,706
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,070/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,552
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,862
−HK$314/mo
Today · 4.125%
HK$12,176
baseline
▲ 0.50% · 4.625%
HK$12,818
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,352/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,460
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,848
−HK$394/mo
Today · 4.125%
HK$13,242
baseline
▲ 0.50% · 4.625%
HK$14,048
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,484/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,862
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,234
−HK$377/mo
Today · 4.125%
HK$14,611
baseline
▲ 0.50% · 4.625%
HK$15,381
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,222/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,537
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,989
−HK$460/mo
Today · 4.125%
HK$15,449
baseline
▲ 0.50% · 4.625%
HK$16,389
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,898/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,172
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,606
−HK$440/mo
Today · 4.125%
HK$17,046
baseline
▲ 0.50% · 4.625%
HK$17,945
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,092/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,691
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,272
−HK$591/mo
Today · 4.125%
HK$19,863
baseline
▲ 0.50% · 4.625%
HK$21,071
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,726/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,793
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,351
−HK$566/mo
Today · 4.125%
HK$21,917
baseline
▲ 0.50% · 4.625%
HK$23,072
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,834/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,874 · 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).