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$10,796
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,132
−HK$341/mo
Today · 4.125%
HK$11,473
baseline
▲ 0.50% · 4.625%
HK$12,172
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,946/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,011
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,333
−HK$327/mo
Today · 4.125%
HK$12,660
baseline
▲ 0.50% · 4.625%
HK$13,327
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,320/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,956
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,359
−HK$409/mo
Today · 4.125%
HK$13,768
baseline
▲ 0.50% · 4.625%
HK$14,606
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,536/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,413
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,800
−HK$392/mo
Today · 4.125%
HK$15,192
baseline
▲ 0.50% · 4.625%
HK$15,993
+HK$801/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,384/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,115
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,585
−HK$478/mo
Today · 4.125%
HK$16,063
baseline
▲ 0.50% · 4.625%
HK$17,040
+HK$977/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,126/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,815
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,266
−HK$458/mo
Today · 4.125%
HK$17,724
baseline
▲ 0.50% · 4.625%
HK$18,658
+HK$934/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,448/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,434
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,038
−HK$614/mo
Today · 4.125%
HK$20,652
baseline
▲ 0.50% · 4.625%
HK$21,909
+HK$1,257/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,304/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,620
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,199
−HK$589/mo
Today · 4.125%
HK$22,788
baseline
▲ 0.50% · 4.625%
HK$23,989
+HK$1,201/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,576/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,974 · 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).