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$10,500
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,827
−HK$332/mo
Today · 4.125%
HK$11,159
baseline
▲ 0.50% · 4.625%
HK$11,838
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,318/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,681
−HK$632/mo
▼ 0.25% · 3.875%
HK$11,995
−HK$318/mo
Today · 4.125%
HK$12,313
baseline
▲ 0.50% · 4.625%
HK$12,962
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,626/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,600
−HK$791/mo
▼ 0.25% · 3.875%
HK$12,992
−HK$399/mo
Today · 4.125%
HK$13,391
baseline
▲ 0.50% · 4.625%
HK$14,205
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,782/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,018
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,394
−HK$381/mo
Today · 4.125%
HK$14,775
baseline
▲ 0.50% · 4.625%
HK$15,554
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,550/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,700
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,158
−HK$464/mo
Today · 4.125%
HK$15,622
baseline
▲ 0.50% · 4.625%
HK$16,573
+HK$951/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,244/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,354
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,793
−HK$445/mo
Today · 4.125%
HK$17,238
baseline
▲ 0.50% · 4.625%
HK$18,146
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,476/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,901
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,488
−HK$598/mo
Today · 4.125%
HK$20,086
baseline
▲ 0.50% · 4.625%
HK$21,308
+HK$1,222/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,172/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,027
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,591
−HK$572/mo
Today · 4.125%
HK$22,163
baseline
▲ 0.50% · 4.625%
HK$23,331
+HK$1,168/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,326/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,989 · 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).