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$10,612
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,942
−HK$335/mo
Today · 4.125%
HK$11,277
baseline
▲ 0.50% · 4.625%
HK$11,964
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,554/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,806
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,122
−HK$322/mo
Today · 4.125%
HK$12,444
baseline
▲ 0.50% · 4.625%
HK$13,099
+HK$655/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,888/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,734
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,130
−HK$403/mo
Today · 4.125%
HK$13,533
baseline
▲ 0.50% · 4.625%
HK$14,356
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,066/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,167
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,547
−HK$385/mo
Today · 4.125%
HK$14,932
baseline
▲ 0.50% · 4.625%
HK$15,719
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,864/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,857
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,319
−HK$469/mo
Today · 4.125%
HK$15,788
baseline
▲ 0.50% · 4.625%
HK$16,749
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,576/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,528
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,971
−HK$450/mo
Today · 4.125%
HK$17,421
baseline
▲ 0.50% · 4.625%
HK$18,339
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,842/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,102
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,696
−HK$603/mo
Today · 4.125%
HK$20,299
baseline
▲ 0.50% · 4.625%
HK$21,535
+HK$1,236/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,598/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,250
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,820
−HK$578/mo
Today · 4.125%
HK$22,398
baseline
▲ 0.50% · 4.625%
HK$23,579
+HK$1,181/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,796/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,885 · 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).