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$10,490
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,816
−HK$332/mo
Today · 4.125%
HK$11,148
baseline
▲ 0.50% · 4.625%
HK$11,826
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,296/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,670
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,983
−HK$318/mo
Today · 4.125%
HK$12,301
baseline
▲ 0.50% · 4.625%
HK$12,949
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,602/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,588
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,980
−HK$397/mo
Today · 4.125%
HK$13,377
baseline
▲ 0.50% · 4.625%
HK$14,191
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,754/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,004
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,380
−HK$381/mo
Today · 4.125%
HK$14,761
baseline
▲ 0.50% · 4.625%
HK$15,539
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,522/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,686
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,143
−HK$464/mo
Today · 4.125%
HK$15,607
baseline
▲ 0.50% · 4.625%
HK$16,557
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,214/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,338
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,776
−HK$445/mo
Today · 4.125%
HK$17,221
baseline
▲ 0.50% · 4.625%
HK$18,129
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,442/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,882
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,469
−HK$597/mo
Today · 4.125%
HK$20,066
baseline
▲ 0.50% · 4.625%
HK$21,287
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,132/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,006
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,569
−HK$572/mo
Today · 4.125%
HK$22,141
baseline
▲ 0.50% · 4.625%
HK$23,308
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,282/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,538 · 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).