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$10,349
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,671
−HK$327/mo
Today · 4.125%
HK$10,998
baseline
▲ 0.50% · 4.625%
HK$11,668
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,996/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,514
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,822
−HK$314/mo
Today · 4.125%
HK$12,136
baseline
▲ 0.50% · 4.625%
HK$12,775
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,272/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,419
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,806
−HK$392/mo
Today · 4.125%
HK$13,198
baseline
▲ 0.50% · 4.625%
HK$14,001
+HK$803/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$26,396/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,816
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,187
−HK$376/mo
Today · 4.125%
HK$14,563
baseline
▲ 0.50% · 4.625%
HK$15,330
+HK$767/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$29,126/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,489
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,940
−HK$458/mo
Today · 4.125%
HK$15,398
baseline
▲ 0.50% · 4.625%
HK$16,335
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,796/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,119
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,551
−HK$439/mo
Today · 4.125%
HK$16,990
baseline
▲ 0.50% · 4.625%
HK$17,885
+HK$895/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,980/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,629
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,208
−HK$589/mo
Today · 4.125%
HK$19,797
baseline
▲ 0.50% · 4.625%
HK$21,002
+HK$1,205/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,594/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,724
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,280
−HK$564/mo
Today · 4.125%
HK$21,844
baseline
▲ 0.50% · 4.625%
HK$22,995
+HK$1,151/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,688/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,367 · 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).