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$10,552
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,880
−HK$333/mo
Today · 4.125%
HK$11,213
baseline
▲ 0.50% · 4.625%
HK$11,896
+HK$683/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,426/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,739
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,054
−HK$319/mo
Today · 4.125%
HK$12,373
baseline
▲ 0.50% · 4.625%
HK$13,025
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,746/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,662
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,056
−HK$400/mo
Today · 4.125%
HK$13,456
baseline
▲ 0.50% · 4.625%
HK$14,275
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,912/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,086
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,464
−HK$383/mo
Today · 4.125%
HK$14,847
baseline
▲ 0.50% · 4.625%
HK$15,630
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,694/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,772
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,232
−HK$467/mo
Today · 4.125%
HK$15,699
baseline
▲ 0.50% · 4.625%
HK$16,654
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,398/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,434
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,875
−HK$447/mo
Today · 4.125%
HK$17,322
baseline
▲ 0.50% · 4.625%
HK$18,235
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,644/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,993
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,584
−HK$600/mo
Today · 4.125%
HK$20,184
baseline
▲ 0.50% · 4.625%
HK$21,412
+HK$1,228/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$40,368/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,130
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,696
−HK$575/mo
Today · 4.125%
HK$22,271
baseline
▲ 0.50% · 4.625%
HK$23,445
+HK$1,174/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$44,542/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,243 · 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).