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$10,591
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,921
−HK$335/mo
Today · 4.125%
HK$11,256
baseline
▲ 0.50% · 4.625%
HK$11,940
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,512/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,783
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,099
−HK$320/mo
Today · 4.125%
HK$12,419
baseline
▲ 0.50% · 4.625%
HK$13,074
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,838/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,710
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,105
−HK$402/mo
Today · 4.125%
HK$13,507
baseline
▲ 0.50% · 4.625%
HK$14,328
+HK$821/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,014/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,139
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,519
−HK$384/mo
Today · 4.125%
HK$14,903
baseline
▲ 0.50% · 4.625%
HK$15,689
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,806/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,828
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,289
−HK$469/mo
Today · 4.125%
HK$15,758
baseline
▲ 0.50% · 4.625%
HK$16,717
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,516/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$81,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,496
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,938
−HK$449/mo
Today · 4.125%
HK$17,387
baseline
▲ 0.50% · 4.625%
HK$18,304
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,774/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$81,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,064
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,657
−HK$603/mo
Today · 4.125%
HK$20,260
baseline
▲ 0.50% · 4.625%
HK$21,493
+HK$1,233/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,520/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,209
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,778
−HK$577/mo
Today · 4.125%
HK$22,355
baseline
▲ 0.50% · 4.625%
HK$23,533
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,710/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,982 · 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).