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$10,529
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,857
−HK$332/mo
Today · 4.125%
HK$11,189
baseline
▲ 0.50% · 4.625%
HK$11,870
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,378/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,713
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,028
−HK$318/mo
Today · 4.125%
HK$12,346
baseline
▲ 0.50% · 4.625%
HK$12,997
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,692/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,635
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,028
−HK$399/mo
Today · 4.125%
HK$13,427
baseline
▲ 0.50% · 4.625%
HK$14,244
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,854/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,056
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,433
−HK$383/mo
Today · 4.125%
HK$14,816
baseline
▲ 0.50% · 4.625%
HK$15,597
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,632/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,741
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,199
−HK$466/mo
Today · 4.125%
HK$15,665
baseline
▲ 0.50% · 4.625%
HK$16,618
+HK$953/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,330/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,399
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,839
−HK$446/mo
Today · 4.125%
HK$17,285
baseline
▲ 0.50% · 4.625%
HK$18,196
+HK$911/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,570/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,952
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,542
−HK$599/mo
Today · 4.125%
HK$20,141
baseline
▲ 0.50% · 4.625%
HK$21,366
+HK$1,225/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,282/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,084
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,650
−HK$573/mo
Today · 4.125%
HK$22,223
baseline
▲ 0.50% · 4.625%
HK$23,395
+HK$1,172/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,446/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,250 · 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).