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$10,432
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,757
−HK$329/mo
Today · 4.125%
HK$11,086
baseline
▲ 0.50% · 4.625%
HK$11,761
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,172/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,606
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,917
−HK$316/mo
Today · 4.125%
HK$12,233
baseline
▲ 0.50% · 4.625%
HK$12,877
+HK$644/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,466/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,519
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,908
−HK$396/mo
Today · 4.125%
HK$13,304
baseline
▲ 0.50% · 4.625%
HK$14,113
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,608/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,927
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,300
−HK$379/mo
Today · 4.125%
HK$14,679
baseline
▲ 0.50% · 4.625%
HK$15,453
+HK$774/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,358/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,605
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,059
−HK$462/mo
Today · 4.125%
HK$15,521
baseline
▲ 0.50% · 4.625%
HK$16,465
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,042/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,248
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,684
−HK$442/mo
Today · 4.125%
HK$17,126
baseline
▲ 0.50% · 4.625%
HK$18,028
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,252/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,778
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,362
−HK$593/mo
Today · 4.125%
HK$19,955
baseline
▲ 0.50% · 4.625%
HK$21,170
+HK$1,215/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$39,910/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,890
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,450
−HK$569/mo
Today · 4.125%
HK$22,019
baseline
▲ 0.50% · 4.625%
HK$23,179
+HK$1,160/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$44,038/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,999 · 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).