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$10,442
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,767
−HK$330/mo
Today · 4.125%
HK$11,097
baseline
▲ 0.50% · 4.625%
HK$11,772
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,194/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,617
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,928
−HK$316/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,890
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,488/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,531
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,920
−HK$396/mo
Today · 4.125%
HK$13,316
baseline
▲ 0.50% · 4.625%
HK$14,127
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,632/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,940
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,314
−HK$379/mo
Today · 4.125%
HK$14,693
baseline
▲ 0.50% · 4.625%
HK$15,468
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,386/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,619
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,074
−HK$462/mo
Today · 4.125%
HK$15,536
baseline
▲ 0.50% · 4.625%
HK$16,481
+HK$945/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,072/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,263
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,700
−HK$442/mo
Today · 4.125%
HK$17,142
baseline
▲ 0.50% · 4.625%
HK$18,046
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,284/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,796
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,381
−HK$594/mo
Today · 4.125%
HK$19,975
baseline
▲ 0.50% · 4.625%
HK$21,190
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,950/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,910
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,471
−HK$569/mo
Today · 4.125%
HK$22,040
baseline
▲ 0.50% · 4.625%
HK$23,202
+HK$1,162/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,080/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,438 · 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).