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$10,443
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,768
−HK$330/mo
Today · 4.125%
HK$11,098
baseline
▲ 0.50% · 4.625%
HK$11,773
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,196/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,618
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,929
−HK$316/mo
Today · 4.125%
HK$12,245
baseline
▲ 0.50% · 4.625%
HK$12,891
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,490/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,531
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,921
−HK$396/mo
Today · 4.125%
HK$13,317
baseline
▲ 0.50% · 4.625%
HK$14,128
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,634/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,941
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,315
−HK$379/mo
Today · 4.125%
HK$14,694
baseline
▲ 0.50% · 4.625%
HK$15,469
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,388/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,620
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,075
−HK$462/mo
Today · 4.125%
HK$15,537
baseline
▲ 0.50% · 4.625%
HK$16,482
+HK$945/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,074/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,265
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,701
−HK$442/mo
Today · 4.125%
HK$17,143
baseline
▲ 0.50% · 4.625%
HK$18,047
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,286/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,797
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,382
−HK$594/mo
Today · 4.125%
HK$19,976
baseline
▲ 0.50% · 4.625%
HK$21,191
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,952/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,912
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,473
−HK$568/mo
Today · 4.125%
HK$22,041
baseline
▲ 0.50% · 4.625%
HK$23,203
+HK$1,162/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,082/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,470 · 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).