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$10,450
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,775
−HK$331/mo
Today · 4.125%
HK$11,106
baseline
▲ 0.50% · 4.625%
HK$11,781
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,212/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,626
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,938
−HK$316/mo
Today · 4.125%
HK$12,254
baseline
▲ 0.50% · 4.625%
HK$12,900
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,508/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,540
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,930
−HK$397/mo
Today · 4.125%
HK$13,327
baseline
▲ 0.50% · 4.625%
HK$14,138
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,654/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,951
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,325
−HK$380/mo
Today · 4.125%
HK$14,705
baseline
▲ 0.50% · 4.625%
HK$15,480
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,410/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,630
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,086
−HK$462/mo
Today · 4.125%
HK$15,548
baseline
▲ 0.50% · 4.625%
HK$16,494
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,096/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,276
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,713
−HK$443/mo
Today · 4.125%
HK$17,156
baseline
▲ 0.50% · 4.625%
HK$18,060
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,312/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,811
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,396
−HK$594/mo
Today · 4.125%
HK$19,990
baseline
▲ 0.50% · 4.625%
HK$21,206
+HK$1,216/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,980/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,927
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,488
−HK$569/mo
Today · 4.125%
HK$22,057
baseline
▲ 0.50% · 4.625%
HK$23,220
+HK$1,163/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,114/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,795 · 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).