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$10,763
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,098
−HK$340/mo
Today · 4.125%
HK$11,438
baseline
▲ 0.50% · 4.625%
HK$12,134
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,876/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,974
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,295
−HK$326/mo
Today · 4.125%
HK$12,621
baseline
▲ 0.50% · 4.625%
HK$13,286
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,242/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,916
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,318
−HK$408/mo
Today · 4.125%
HK$13,726
baseline
▲ 0.50% · 4.625%
HK$14,561
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,452/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,369
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,754
−HK$391/mo
Today · 4.125%
HK$15,145
baseline
▲ 0.50% · 4.625%
HK$15,943
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,290/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,068
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,537
−HK$476/mo
Today · 4.125%
HK$16,013
baseline
▲ 0.50% · 4.625%
HK$16,988
+HK$975/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$32,026/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,763
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,213
−HK$456/mo
Today · 4.125%
HK$17,669
baseline
▲ 0.50% · 4.625%
HK$18,600
+HK$931/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$35,338/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,374
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,976
−HK$613/mo
Today · 4.125%
HK$20,589
baseline
▲ 0.50% · 4.625%
HK$21,841
+HK$1,252/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,178/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,553
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,131
−HK$586/mo
Today · 4.125%
HK$22,717
baseline
▲ 0.50% · 4.625%
HK$23,915
+HK$1,198/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,434/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,515 · 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).