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$10,546
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,874
−HK$333/mo
Today · 4.125%
HK$11,207
baseline
▲ 0.50% · 4.625%
HK$11,889
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,414/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,732
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,047
−HK$319/mo
Today · 4.125%
HK$12,366
baseline
▲ 0.50% · 4.625%
HK$13,018
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,732/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,655
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,048
−HK$400/mo
Today · 4.125%
HK$13,448
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$819/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,896/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,078
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$383/mo
Today · 4.125%
HK$14,839
baseline
▲ 0.50% · 4.625%
HK$15,621
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,678/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,764
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,223
−HK$467/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,644
+HK$954/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,380/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,425
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,865
−HK$447/mo
Today · 4.125%
HK$17,312
baseline
▲ 0.50% · 4.625%
HK$18,225
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,624/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,982
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,573
−HK$600/mo
Today · 4.125%
HK$20,173
baseline
▲ 0.50% · 4.625%
HK$21,400
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,346/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,117
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,684
−HK$574/mo
Today · 4.125%
HK$22,258
baseline
▲ 0.50% · 4.625%
HK$23,432
+HK$1,174/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,516/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,977 · 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).