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$10,358
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,680
−HK$328/mo
Today · 4.125%
HK$11,008
baseline
▲ 0.50% · 4.625%
HK$11,677
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,016/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,523
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,832
−HK$314/mo
Today · 4.125%
HK$12,146
baseline
▲ 0.50% · 4.625%
HK$12,786
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,292/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,430
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,816
−HK$393/mo
Today · 4.125%
HK$13,209
baseline
▲ 0.50% · 4.625%
HK$14,013
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,418/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,828
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,199
−HK$376/mo
Today · 4.125%
HK$14,575
baseline
▲ 0.50% · 4.625%
HK$15,343
+HK$768/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,150/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,501
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,952
−HK$459/mo
Today · 4.125%
HK$15,411
baseline
▲ 0.50% · 4.625%
HK$16,348
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,822/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,133
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,565
−HK$439/mo
Today · 4.125%
HK$17,004
baseline
▲ 0.50% · 4.625%
HK$17,900
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,008/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,645
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,224
−HK$590/mo
Today · 4.125%
HK$19,814
baseline
▲ 0.50% · 4.625%
HK$21,019
+HK$1,205/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,628/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,742
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,298
−HK$564/mo
Today · 4.125%
HK$21,862
baseline
▲ 0.50% · 4.625%
HK$23,015
+HK$1,153/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,724/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,751 · 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).