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$10,406
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,729
−HK$329/mo
Today · 4.125%
HK$11,058
baseline
▲ 0.50% · 4.625%
HK$11,731
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,116/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,576
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,887
−HK$315/mo
Today · 4.125%
HK$12,202
baseline
▲ 0.50% · 4.625%
HK$12,845
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,404/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,487
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,875
−HK$395/mo
Today · 4.125%
HK$13,270
baseline
▲ 0.50% · 4.625%
HK$14,077
+HK$807/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,540/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,891
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,264
−HK$378/mo
Today · 4.125%
HK$14,642
baseline
▲ 0.50% · 4.625%
HK$15,414
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,284/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,568
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,021
−HK$460/mo
Today · 4.125%
HK$15,481
baseline
▲ 0.50% · 4.625%
HK$16,423
+HK$942/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,962/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,207
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,641
−HK$441/mo
Today · 4.125%
HK$17,082
baseline
▲ 0.50% · 4.625%
HK$17,983
+HK$901/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,164/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,730
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,313
−HK$592/mo
Today · 4.125%
HK$19,905
baseline
▲ 0.50% · 4.625%
HK$21,116
+HK$1,211/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$39,810/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,837
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,396
−HK$567/mo
Today · 4.125%
HK$21,963
baseline
▲ 0.50% · 4.625%
HK$23,121
+HK$1,158/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$43,926/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,836 · 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).