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$10,429
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,753
−HK$330/mo
Today · 4.125%
HK$11,083
baseline
▲ 0.50% · 4.625%
HK$11,757
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,166/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,602
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,913
−HK$316/mo
Today · 4.125%
HK$12,229
baseline
▲ 0.50% · 4.625%
HK$12,873
+HK$644/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,458/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,515
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,904
−HK$395/mo
Today · 4.125%
HK$13,299
baseline
▲ 0.50% · 4.625%
HK$14,109
+HK$810/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,598/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,922
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,296
−HK$378/mo
Today · 4.125%
HK$14,674
baseline
▲ 0.50% · 4.625%
HK$15,448
+HK$774/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,348/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,600
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,054
−HK$462/mo
Today · 4.125%
HK$15,516
baseline
▲ 0.50% · 4.625%
HK$16,460
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,032/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,243
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,678
−HK$442/mo
Today · 4.125%
HK$17,120
baseline
▲ 0.50% · 4.625%
HK$18,023
+HK$903/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,240/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,772
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,356
−HK$593/mo
Today · 4.125%
HK$19,949
baseline
▲ 0.50% · 4.625%
HK$21,163
+HK$1,214/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$39,898/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,883
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,443
−HK$569/mo
Today · 4.125%
HK$22,012
baseline
▲ 0.50% · 4.625%
HK$23,172
+HK$1,160/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$44,024/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,851 · 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).