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$10,474
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,799
−HK$331/mo
Today · 4.125%
HK$11,130
baseline
▲ 0.50% · 4.625%
HK$11,808
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,260/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,652
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,964
−HK$317/mo
Today · 4.125%
HK$12,281
baseline
▲ 0.50% · 4.625%
HK$12,929
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,562/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,568
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,959
−HK$398/mo
Today · 4.125%
HK$13,357
baseline
▲ 0.50% · 4.625%
HK$14,169
+HK$812/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,714/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,982
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,357
−HK$381/mo
Today · 4.125%
HK$14,738
baseline
▲ 0.50% · 4.625%
HK$15,514
+HK$776/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,476/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,663
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,119
−HK$464/mo
Today · 4.125%
HK$15,583
baseline
▲ 0.50% · 4.625%
HK$16,531
+HK$948/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,166/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,313
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,750
−HK$444/mo
Today · 4.125%
HK$17,194
baseline
▲ 0.50% · 4.625%
HK$18,100
+HK$906/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,388/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,853
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,439
−HK$596/mo
Today · 4.125%
HK$20,035
baseline
▲ 0.50% · 4.625%
HK$21,254
+HK$1,219/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,070/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,973
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,536
−HK$570/mo
Today · 4.125%
HK$22,106
baseline
▲ 0.50% · 4.625%
HK$23,272
+HK$1,166/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,212/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,820 · 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).