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$10,298
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,619
−HK$325/mo
Today · 4.125%
HK$10,944
baseline
▲ 0.50% · 4.625%
HK$11,610
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,888/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,457
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,764
−HK$312/mo
Today · 4.125%
HK$12,076
baseline
▲ 0.50% · 4.625%
HK$12,712
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,152/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,358
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,743
−HK$390/mo
Today · 4.125%
HK$13,133
baseline
▲ 0.50% · 4.625%
HK$13,932
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,266/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,748
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,117
−HK$374/mo
Today · 4.125%
HK$14,491
baseline
▲ 0.50% · 4.625%
HK$15,255
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,982/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,418
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,866
−HK$456/mo
Today · 4.125%
HK$15,322
baseline
▲ 0.50% · 4.625%
HK$16,254
+HK$932/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,644/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,040
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,470
−HK$436/mo
Today · 4.125%
HK$16,906
baseline
▲ 0.50% · 4.625%
HK$17,797
+HK$891/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,812/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,537
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,114
−HK$586/mo
Today · 4.125%
HK$19,700
baseline
▲ 0.50% · 4.625%
HK$20,898
+HK$1,198/mo
Deposit HK$452K · loan HK$4.06M · min. income ≈ HK$39,400/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,623
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,176
−HK$561/mo
Today · 4.125%
HK$21,737
baseline
▲ 0.50% · 4.625%
HK$22,882
+HK$1,145/mo
Deposit HK$452K · loan HK$4.06M · min. income ≈ HK$43,474/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,138 · 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).