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$10,558
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,886
−HK$334/mo
Today · 4.125%
HK$11,220
baseline
▲ 0.50% · 4.625%
HK$11,902
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,440/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,745
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,060
−HK$320/mo
Today · 4.125%
HK$12,380
baseline
▲ 0.50% · 4.625%
HK$13,032
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,760/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,669
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,063
−HK$401/mo
Today · 4.125%
HK$13,464
baseline
▲ 0.50% · 4.625%
HK$14,283
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,928/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,094
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,472
−HK$384/mo
Today · 4.125%
HK$14,856
baseline
▲ 0.50% · 4.625%
HK$15,639
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,712/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,781
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,240
−HK$467/mo
Today · 4.125%
HK$15,707
baseline
▲ 0.50% · 4.625%
HK$16,663
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,414/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,443
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,884
−HK$448/mo
Today · 4.125%
HK$17,332
baseline
▲ 0.50% · 4.625%
HK$18,245
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,664/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,004
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,595
−HK$600/mo
Today · 4.125%
HK$20,195
baseline
▲ 0.50% · 4.625%
HK$21,424
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,390/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,141
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,708
−HK$576/mo
Today · 4.125%
HK$22,284
baseline
▲ 0.50% · 4.625%
HK$23,458
+HK$1,174/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,568/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,500 · 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).