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$10,642
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,973
−HK$336/mo
Today · 4.125%
HK$11,309
baseline
▲ 0.50% · 4.625%
HK$11,997
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,618/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,839
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,157
−HK$322/mo
Today · 4.125%
HK$12,479
baseline
▲ 0.50% · 4.625%
HK$13,136
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,958/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,770
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,167
−HK$404/mo
Today · 4.125%
HK$13,571
baseline
▲ 0.50% · 4.625%
HK$14,397
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,142/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,207
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,588
−HK$386/mo
Today · 4.125%
HK$14,974
baseline
▲ 0.50% · 4.625%
HK$15,764
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,948/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,899
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,362
−HK$471/mo
Today · 4.125%
HK$15,833
baseline
▲ 0.50% · 4.625%
HK$16,796
+HK$963/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,666/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,575
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,019
−HK$451/mo
Today · 4.125%
HK$17,470
baseline
▲ 0.50% · 4.625%
HK$18,391
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,940/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,155
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,751
−HK$606/mo
Today · 4.125%
HK$20,357
baseline
▲ 0.50% · 4.625%
HK$21,595
+HK$1,238/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,714/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,310
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,882
−HK$580/mo
Today · 4.125%
HK$22,462
baseline
▲ 0.50% · 4.625%
HK$23,645
+HK$1,183/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,924/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,197 · 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).