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$10,658
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,990
−HK$337/mo
Today · 4.125%
HK$11,327
baseline
▲ 0.50% · 4.625%
HK$12,016
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,654/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,857
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$323/mo
Today · 4.125%
HK$12,498
baseline
▲ 0.50% · 4.625%
HK$13,157
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,996/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,790
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,188
−HK$404/mo
Today · 4.125%
HK$13,592
baseline
▲ 0.50% · 4.625%
HK$14,419
+HK$827/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,184/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,229
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$387/mo
Today · 4.125%
HK$14,997
baseline
▲ 0.50% · 4.625%
HK$15,788
+HK$791/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,994/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,922
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,386
−HK$471/mo
Today · 4.125%
HK$15,857
baseline
▲ 0.50% · 4.625%
HK$16,822
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,714/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,600
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,045
−HK$452/mo
Today · 4.125%
HK$17,497
baseline
▲ 0.50% · 4.625%
HK$18,419
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,994/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,185
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,782
−HK$606/mo
Today · 4.125%
HK$20,388
baseline
▲ 0.50% · 4.625%
HK$21,629
+HK$1,241/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$40,776/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,343
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,915
−HK$581/mo
Today · 4.125%
HK$22,496
baseline
▲ 0.50% · 4.625%
HK$23,682
+HK$1,186/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$44,992/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,918 · 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).