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$10,321
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,642
−HK$327/mo
Today · 4.125%
HK$10,969
baseline
▲ 0.50% · 4.625%
HK$11,636
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,938/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,482
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,790
−HK$313/mo
Today · 4.125%
HK$12,103
baseline
▲ 0.50% · 4.625%
HK$12,741
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,206/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,386
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,771
−HK$391/mo
Today · 4.125%
HK$13,162
baseline
▲ 0.50% · 4.625%
HK$13,963
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,324/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,779
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,148
−HK$375/mo
Today · 4.125%
HK$14,523
baseline
▲ 0.50% · 4.625%
HK$15,289
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,046/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,450
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,899
−HK$457/mo
Today · 4.125%
HK$15,356
baseline
▲ 0.50% · 4.625%
HK$16,290
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,712/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,075
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,506
−HK$438/mo
Today · 4.125%
HK$16,944
baseline
▲ 0.50% · 4.625%
HK$17,837
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,888/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,578
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,156
−HK$587/mo
Today · 4.125%
HK$19,743
baseline
▲ 0.50% · 4.625%
HK$20,945
+HK$1,202/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$39,486/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,668
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,223
−HK$562/mo
Today · 4.125%
HK$21,785
baseline
▲ 0.50% · 4.625%
HK$22,933
+HK$1,148/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$43,570/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,139 · 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).