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$10,372
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,694
−HK$328/mo
Today · 4.125%
HK$11,022
baseline
▲ 0.50% · 4.625%
HK$11,693
+HK$671/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,044/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,538
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,848
−HK$314/mo
Today · 4.125%
HK$12,162
baseline
▲ 0.50% · 4.625%
HK$12,803
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,324/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,446
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,833
−HK$394/mo
Today · 4.125%
HK$13,227
baseline
▲ 0.50% · 4.625%
HK$14,031
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,454/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,846
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,217
−HK$377/mo
Today · 4.125%
HK$14,594
baseline
▲ 0.50% · 4.625%
HK$15,363
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,188/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,520
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,972
−HK$459/mo
Today · 4.125%
HK$15,431
baseline
▲ 0.50% · 4.625%
HK$16,370
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,862/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,154
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,587
−HK$440/mo
Today · 4.125%
HK$17,027
baseline
▲ 0.50% · 4.625%
HK$17,924
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,054/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,669
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,250
−HK$590/mo
Today · 4.125%
HK$19,840
baseline
▲ 0.50% · 4.625%
HK$21,047
+HK$1,207/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,680/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,769
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,326
−HK$565/mo
Today · 4.125%
HK$21,891
baseline
▲ 0.50% · 4.625%
HK$23,045
+HK$1,154/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,782/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,349 · 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).