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$10,672
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,004
−HK$337/mo
Today · 4.125%
HK$11,341
baseline
▲ 0.50% · 4.625%
HK$12,031
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,682/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,872
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,191
−HK$323/mo
Today · 4.125%
HK$12,514
baseline
▲ 0.50% · 4.625%
HK$13,173
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,028/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,806
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,205
−HK$404/mo
Today · 4.125%
HK$13,609
baseline
▲ 0.50% · 4.625%
HK$14,437
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,218/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,247
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$388/mo
Today · 4.125%
HK$15,017
baseline
▲ 0.50% · 4.625%
HK$15,808
+HK$791/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,034/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,941
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,405
−HK$473/mo
Today · 4.125%
HK$15,878
baseline
▲ 0.50% · 4.625%
HK$16,844
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,756/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,621
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,067
−HK$452/mo
Today · 4.125%
HK$17,519
baseline
▲ 0.50% · 4.625%
HK$18,443
+HK$924/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,038/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,209
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,807
−HK$607/mo
Today · 4.125%
HK$20,414
baseline
▲ 0.50% · 4.625%
HK$21,656
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,828/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,370
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,943
−HK$582/mo
Today · 4.125%
HK$22,525
baseline
▲ 0.50% · 4.625%
HK$23,712
+HK$1,187/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,050/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,512 · 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).