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$10,537
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,865
−HK$333/mo
Today · 4.125%
HK$11,198
baseline
▲ 0.50% · 4.625%
HK$11,879
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,396/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,722
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,037
−HK$319/mo
Today · 4.125%
HK$12,356
baseline
▲ 0.50% · 4.625%
HK$13,007
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,712/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,645
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,038
−HK$399/mo
Today · 4.125%
HK$13,437
baseline
▲ 0.50% · 4.625%
HK$14,255
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,874/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,067
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,444
−HK$383/mo
Today · 4.125%
HK$14,827
baseline
▲ 0.50% · 4.625%
HK$15,608
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,654/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,752
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,211
−HK$466/mo
Today · 4.125%
HK$15,677
baseline
▲ 0.50% · 4.625%
HK$16,631
+HK$954/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,354/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,411
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,852
−HK$446/mo
Today · 4.125%
HK$17,298
baseline
▲ 0.50% · 4.625%
HK$18,210
+HK$912/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,596/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,967
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,557
−HK$599/mo
Today · 4.125%
HK$20,156
baseline
▲ 0.50% · 4.625%
HK$21,383
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,312/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,100
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,666
−HK$574/mo
Today · 4.125%
HK$22,240
baseline
▲ 0.50% · 4.625%
HK$23,413
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,480/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,602 · 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).