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$10,560
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,889
−HK$333/mo
Today · 4.125%
HK$11,222
baseline
▲ 0.50% · 4.625%
HK$11,905
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,444/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,748
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,063
−HK$320/mo
Today · 4.125%
HK$12,383
baseline
▲ 0.50% · 4.625%
HK$13,036
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,766/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,672
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$401/mo
Today · 4.125%
HK$13,467
baseline
▲ 0.50% · 4.625%
HK$14,286
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,934/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,098
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,476
−HK$383/mo
Today · 4.125%
HK$14,859
baseline
▲ 0.50% · 4.625%
HK$15,643
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,718/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,784
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$467/mo
Today · 4.125%
HK$15,711
baseline
▲ 0.50% · 4.625%
HK$16,667
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,422/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,447
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,888
−HK$448/mo
Today · 4.125%
HK$17,336
baseline
▲ 0.50% · 4.625%
HK$18,250
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,672/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,008
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,600
−HK$600/mo
Today · 4.125%
HK$20,200
baseline
▲ 0.50% · 4.625%
HK$21,429
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,400/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,147
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,714
−HK$575/mo
Today · 4.125%
HK$22,289
baseline
▲ 0.50% · 4.625%
HK$23,464
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,578/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,615 · 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).