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$10,201
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,518
−HK$322/mo
Today · 4.125%
HK$10,840
baseline
▲ 0.50% · 4.625%
HK$11,500
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,680/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,348
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,653
−HK$308/mo
Today · 4.125%
HK$11,961
baseline
▲ 0.50% · 4.625%
HK$12,592
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,922/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,241
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,622
−HK$386/mo
Today · 4.125%
HK$13,008
baseline
▲ 0.50% · 4.625%
HK$13,800
+HK$792/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,016/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,618
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,983
−HK$371/mo
Today · 4.125%
HK$14,354
baseline
▲ 0.50% · 4.625%
HK$15,110
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,708/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,281
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,725
−HK$452/mo
Today · 4.125%
HK$15,177
baseline
▲ 0.50% · 4.625%
HK$16,100
+HK$923/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,354/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,887
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,314
−HK$432/mo
Today · 4.125%
HK$16,746
baseline
▲ 0.50% · 4.625%
HK$17,628
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,492/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,361
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,932
−HK$581/mo
Today · 4.125%
HK$19,513
baseline
▲ 0.50% · 4.625%
HK$20,700
+HK$1,187/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$39,026/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,427
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,975
−HK$555/mo
Today · 4.125%
HK$21,530
baseline
▲ 0.50% · 4.625%
HK$22,665
+HK$1,135/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$43,060/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,103 · 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).