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$10,686
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,018
−HK$338/mo
Today · 4.125%
HK$11,356
baseline
▲ 0.50% · 4.625%
HK$12,047
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,712/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,888
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,207
−HK$323/mo
Today · 4.125%
HK$12,530
baseline
▲ 0.50% · 4.625%
HK$13,191
+HK$661/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,060/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,823
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,222
−HK$405/mo
Today · 4.125%
HK$13,627
baseline
▲ 0.50% · 4.625%
HK$14,457
+HK$830/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,254/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,266
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,648
−HK$388/mo
Today · 4.125%
HK$15,036
baseline
▲ 0.50% · 4.625%
HK$15,829
+HK$793/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,072/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,960
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,426
−HK$473/mo
Today · 4.125%
HK$15,899
baseline
▲ 0.50% · 4.625%
HK$16,866
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,798/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,643
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,090
−HK$453/mo
Today · 4.125%
HK$17,543
baseline
▲ 0.50% · 4.625%
HK$18,467
+HK$924/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,086/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,235
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,833
−HK$608/mo
Today · 4.125%
HK$20,441
baseline
▲ 0.50% · 4.625%
HK$21,685
+HK$1,244/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,882/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,399
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,972
−HK$583/mo
Today · 4.125%
HK$22,555
baseline
▲ 0.50% · 4.625%
HK$23,744
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,110/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,134 · 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).