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$10,400
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,723
−HK$329/mo
Today · 4.125%
HK$11,052
baseline
▲ 0.50% · 4.625%
HK$11,724
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,104/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,570
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,880
−HK$315/mo
Today · 4.125%
HK$12,195
baseline
▲ 0.50% · 4.625%
HK$12,837
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,390/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,480
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,868
−HK$394/mo
Today · 4.125%
HK$13,262
baseline
▲ 0.50% · 4.625%
HK$14,069
+HK$807/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,524/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,883
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,256
−HK$378/mo
Today · 4.125%
HK$14,634
baseline
▲ 0.50% · 4.625%
HK$15,405
+HK$771/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,268/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,560
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,012
−HK$461/mo
Today · 4.125%
HK$15,473
baseline
▲ 0.50% · 4.625%
HK$16,414
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,946/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,197
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,632
−HK$441/mo
Today · 4.125%
HK$17,073
baseline
▲ 0.50% · 4.625%
HK$17,972
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,146/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,719
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,302
−HK$591/mo
Today · 4.125%
HK$19,893
baseline
▲ 0.50% · 4.625%
HK$21,104
+HK$1,211/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,786/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,825
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,384
−HK$566/mo
Today · 4.125%
HK$21,950
baseline
▲ 0.50% · 4.625%
HK$23,107
+HK$1,157/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,900/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,577 · 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).