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$10,314
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,635
−HK$326/mo
Today · 4.125%
HK$10,961
baseline
▲ 0.50% · 4.625%
HK$11,628
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,922/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,474
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,782
−HK$312/mo
Today · 4.125%
HK$12,094
baseline
▲ 0.50% · 4.625%
HK$12,732
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,188/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,377
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,762
−HK$391/mo
Today · 4.125%
HK$13,153
baseline
▲ 0.50% · 4.625%
HK$13,953
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,306/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,769
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,138
−HK$375/mo
Today · 4.125%
HK$14,513
baseline
▲ 0.50% · 4.625%
HK$15,278
+HK$765/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,026/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,439
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,889
−HK$456/mo
Today · 4.125%
HK$15,345
baseline
▲ 0.50% · 4.625%
HK$16,279
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,690/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,064
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,495
−HK$437/mo
Today · 4.125%
HK$16,932
baseline
▲ 0.50% · 4.625%
HK$17,824
+HK$892/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,864/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,565
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,143
−HK$586/mo
Today · 4.125%
HK$19,729
baseline
▲ 0.50% · 4.625%
HK$20,930
+HK$1,201/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,458/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,653
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,207
−HK$562/mo
Today · 4.125%
HK$21,769
baseline
▲ 0.50% · 4.625%
HK$22,917
+HK$1,148/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,538/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,814 · 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).