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$10,514
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,841
−HK$332/mo
Today · 4.125%
HK$11,173
baseline
▲ 0.50% · 4.625%
HK$11,853
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,346/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,697
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,011
−HK$318/mo
Today · 4.125%
HK$12,329
baseline
▲ 0.50% · 4.625%
HK$12,979
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,658/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,617
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,009
−HK$399/mo
Today · 4.125%
HK$13,408
baseline
▲ 0.50% · 4.625%
HK$14,224
+HK$816/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$26,816/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,036
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,413
−HK$382/mo
Today · 4.125%
HK$14,795
baseline
▲ 0.50% · 4.625%
HK$15,574
+HK$779/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$29,590/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,720
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,178
−HK$465/mo
Today · 4.125%
HK$15,643
baseline
▲ 0.50% · 4.625%
HK$16,595
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,286/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,376
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,815
−HK$445/mo
Today · 4.125%
HK$17,260
baseline
▲ 0.50% · 4.625%
HK$18,170
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,520/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,925
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,514
−HK$598/mo
Today · 4.125%
HK$20,112
baseline
▲ 0.50% · 4.625%
HK$21,336
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,224/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,054
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,619
−HK$573/mo
Today · 4.125%
HK$22,192
baseline
▲ 0.50% · 4.625%
HK$23,362
+HK$1,170/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,384/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,596 · 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).