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$10,401
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,724
−HK$329/mo
Today · 4.125%
HK$11,053
baseline
▲ 0.50% · 4.625%
HK$11,725
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,106/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,571
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,881
−HK$315/mo
Today · 4.125%
HK$12,196
baseline
▲ 0.50% · 4.625%
HK$12,839
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,392/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,481
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,869
−HK$394/mo
Today · 4.125%
HK$13,263
baseline
▲ 0.50% · 4.625%
HK$14,071
+HK$808/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,526/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,885
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,257
−HK$378/mo
Today · 4.125%
HK$14,635
baseline
▲ 0.50% · 4.625%
HK$15,406
+HK$771/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,270/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,561
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,014
−HK$460/mo
Today · 4.125%
HK$15,474
baseline
▲ 0.50% · 4.625%
HK$16,416
+HK$942/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,948/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,199
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,633
−HK$441/mo
Today · 4.125%
HK$17,074
baseline
▲ 0.50% · 4.625%
HK$17,974
+HK$900/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,148/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,721
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,304
−HK$591/mo
Today · 4.125%
HK$19,895
baseline
▲ 0.50% · 4.625%
HK$21,106
+HK$1,211/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$39,790/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,827
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,386
−HK$566/mo
Today · 4.125%
HK$21,952
baseline
▲ 0.50% · 4.625%
HK$23,110
+HK$1,158/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$43,904/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,620 · 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).