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$10,455
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,780
−HK$330/mo
Today · 4.125%
HK$11,110
baseline
▲ 0.50% · 4.625%
HK$11,786
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,220/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,631
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,943
−HK$316/mo
Today · 4.125%
HK$12,259
baseline
▲ 0.50% · 4.625%
HK$12,905
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,518/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,546
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,936
−HK$397/mo
Today · 4.125%
HK$13,333
baseline
▲ 0.50% · 4.625%
HK$14,144
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,666/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,957
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,331
−HK$380/mo
Today · 4.125%
HK$14,711
baseline
▲ 0.50% · 4.625%
HK$15,487
+HK$776/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,422/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,637
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,092
−HK$463/mo
Today · 4.125%
HK$15,555
baseline
▲ 0.50% · 4.625%
HK$16,501
+HK$946/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,110/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,283
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,720
−HK$443/mo
Today · 4.125%
HK$17,163
baseline
▲ 0.50% · 4.625%
HK$18,068
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,326/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,819
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,404
−HK$595/mo
Today · 4.125%
HK$19,999
baseline
▲ 0.50% · 4.625%
HK$21,216
+HK$1,217/mo
Deposit HK$458K · loan HK$4.13M · min. income ≈ HK$39,998/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,936
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,497
−HK$570/mo
Today · 4.125%
HK$22,067
baseline
▲ 0.50% · 4.625%
HK$23,230
+HK$1,163/mo
Deposit HK$458K · loan HK$4.13M · min. income ≈ HK$44,134/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,994 · 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).