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$10,452
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,777
−HK$331/mo
Today · 4.125%
HK$11,108
baseline
▲ 0.50% · 4.625%
HK$11,784
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,216/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,628
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,940
−HK$316/mo
Today · 4.125%
HK$12,256
baseline
▲ 0.50% · 4.625%
HK$12,902
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,512/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,543
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,933
−HK$396/mo
Today · 4.125%
HK$13,329
baseline
▲ 0.50% · 4.625%
HK$14,140
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,658/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,954
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,328
−HK$380/mo
Today · 4.125%
HK$14,708
baseline
▲ 0.50% · 4.625%
HK$15,483
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,416/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,633
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,088
−HK$463/mo
Today · 4.125%
HK$15,551
baseline
▲ 0.50% · 4.625%
HK$16,497
+HK$946/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,102/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,279
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,716
−HK$443/mo
Today · 4.125%
HK$17,159
baseline
▲ 0.50% · 4.625%
HK$18,063
+HK$904/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,318/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,814
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,399
−HK$595/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,211
+HK$1,217/mo
Deposit HK$458K · loan HK$4.13M · min. income ≈ HK$39,988/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,931
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,492
−HK$569/mo
Today · 4.125%
HK$22,061
baseline
▲ 0.50% · 4.625%
HK$23,224
+HK$1,163/mo
Deposit HK$458K · loan HK$4.13M · min. income ≈ HK$44,122/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,885 · 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).