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$10,431
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,756
−HK$329/mo
Today · 4.125%
HK$11,085
baseline
▲ 0.50% · 4.625%
HK$11,760
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,170/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,604
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,916
−HK$315/mo
Today · 4.125%
HK$12,231
baseline
▲ 0.50% · 4.625%
HK$12,876
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,462/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,517
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,907
−HK$395/mo
Today · 4.125%
HK$13,302
baseline
▲ 0.50% · 4.625%
HK$14,112
+HK$810/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,604/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,925
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,299
−HK$379/mo
Today · 4.125%
HK$14,678
baseline
▲ 0.50% · 4.625%
HK$15,451
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,356/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,604
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,058
−HK$461/mo
Today · 4.125%
HK$15,519
baseline
▲ 0.50% · 4.625%
HK$16,464
+HK$945/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,038/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,246
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,682
−HK$442/mo
Today · 4.125%
HK$17,124
baseline
▲ 0.50% · 4.625%
HK$18,027
+HK$903/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,248/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,776
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,360
−HK$593/mo
Today · 4.125%
HK$19,953
baseline
▲ 0.50% · 4.625%
HK$21,167
+HK$1,214/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$39,906/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,888
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,448
−HK$569/mo
Today · 4.125%
HK$22,017
baseline
▲ 0.50% · 4.625%
HK$23,177
+HK$1,160/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$44,034/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,952 · 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).