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$10,375
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,698
−HK$328/mo
Today · 4.125%
HK$11,026
baseline
▲ 0.50% · 4.625%
HK$11,697
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,052/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,542
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,852
−HK$314/mo
Today · 4.125%
HK$12,166
baseline
▲ 0.50% · 4.625%
HK$12,807
+HK$641/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,332/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,450
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,837
−HK$394/mo
Today · 4.125%
HK$13,231
baseline
▲ 0.50% · 4.625%
HK$14,036
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,462/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,851
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,222
−HK$377/mo
Today · 4.125%
HK$14,599
baseline
▲ 0.50% · 4.625%
HK$15,369
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,198/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,525
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,977
−HK$459/mo
Today · 4.125%
HK$15,436
baseline
▲ 0.50% · 4.625%
HK$16,375
+HK$939/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,872/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,159
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,593
−HK$439/mo
Today · 4.125%
HK$17,032
baseline
▲ 0.50% · 4.625%
HK$17,930
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,064/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,675
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,256
−HK$590/mo
Today · 4.125%
HK$19,846
baseline
▲ 0.50% · 4.625%
HK$21,054
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,692/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,776
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,333
−HK$566/mo
Today · 4.125%
HK$21,899
baseline
▲ 0.50% · 4.625%
HK$23,053
+HK$1,154/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,798/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,501 · 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).